For Software Platforms (ISVs)
Build Financial Experiences Into Your Software
Embed payments. Launch financial products. Own the experience.
Your software already powers your customers' day-to-day operations. Cliq helps you extend that experience with embedded payments, money movement, merchant onboarding, and financial products — all from one connected platform.
Whether you're building a vertical SaaS application, ERP, healthcare platform, marketplace, or field service solution, Cliq provides the technology to help you launch financial capabilities while keeping your customers inside your ecosystem.
Why Software Platforms Are Embedding Financial Services
Software platforms are becoming more than systems of record — they're becoming systems of commerce.
Instead of sending customers to third-party providers for payments, financing, or financial operations, leading software companies are embedding those capabilities directly into their products. These capabilities can support the customer experience and product adoption, and create opportunities to grow recurring revenue.
Cliq provides the technology behind those experiences, helping software companies launch embedded financial capabilities without building the underlying payment infrastructure themselves.
How Platforms Grow on Cliq
You already own the workflow your customers run their business in. Cliq supplies the financial layer underneath it — payment acceptance, payouts, card programs and reporting through one set of APIs, so every stage of your platform's growth runs on the same infrastructure.
One financial layer under every release, from first integration to full platform scale
Everything You Need to Build Financial Experiences
Rather than stitching together multiple vendors, APIs, and operational tools, Cliq brings the essential building blocks of embedded finance together on one platform.
Accept Payments
- Credit & Debit Cards
- ACH Payments
- Hosted Checkout
- Payment Gateway
- Recurring Billing
Move Money
- ACH Transfers
- ACH Disbursements
- Push-to-Card
- Sub-Merchant Settlement
- Treasury Workflows
Financial Products
- Business Financing
- Payroll Cards
- Expense Cards
- Gift & Loyalty Cards
Platform Operations
- Merchant Onboarding
- White-Label Experiences
- Merchant Dashboard
- Reporting
- Reconciliation
Developer Platform
- REST APIs
- Documentation
- Sandbox
- Integration Support
- Live Developer Support
Accept Payments Without Leaving Your Platform
Payments should feel like part of your software — not a redirect to someone else's. Cliq enables embedded payment experiences that keep customers inside your application:
Credit & Debit Card Processing
One-time and recurring card payments processed inside your application.
ACH Payments
Bank payments powered by Cliq's proprietary in-house ACH network.
Hosted Checkout
Checkout capabilities designed to support applicable PCI DSS requirements with no coding required.
Payment Gateway
Cliq Payment Gateway plus options including Cybersource and NMI.
Digital Invoicing & Recurring Billing
Payment links delivered via email or SMS with automated billing.
In-Person Payment Support
Terminals, Mobile POS, Tap-to-Phone, and QR codes.
Expand Beyond Payments
The most successful software platforms solve more than one problem. Once payment acceptance is in place, extend your platform with financial capabilities that keep more of your customers' workflows inside your product:
- Embedded Business Financing$5,000 to $5 million through Cliq's lending partners, with pre-populated applications for pre-approved merchants
- Payroll & Expense CardsCards by Cliq® and Load by Cliq® programs
- Tips by Cliq®Automated tip splitting with nightly electronic payouts
- Gift & Loyalty ProgramsBranded prepaid card programs
Simplify Money Movement
Modern software platforms don't just collect payments — they help businesses move money across multiple participants:
- ACH Transfers & DisbursementsAutomated distribution on Cliq's proprietary ACH platform
- Sub-Merchant SettlementDynamic funding instructions with up to 4-way card splits and 2-way ACH splits, built for marketplaces and franchise networks
- Push-to-Card & Payment RoutingRoute funds across ACH, push-to-card, and other services
- Treasury ManagementSub-accounts, wallets, and automated workflows
Built for Developers
Cliq provides what engineering teams need to prototype, integrate confidently, and move into production:
REST APIs
Payment acceptance, merchant onboarding, reporting, and financial workflows; endpoints for sales, refunds, voids, and account verification.
Documentation
Implementation guides and API references, public at apidocs.cliq.com.
Sandbox Environment
Prototype flows and validate integrations before production.
Live Developer Support
U.S.-based technical specialists through implementation and beyond.
Manage Your Payments Business
As your platform grows, payment operations become as important as payment acceptance. Cliq provides the operational layer so you don't build tooling from scratch:
- Merchant OnboardingPay by Cliq™ branded applications with pre-fill and status tracking
- White-Label ExperiencesYour brand in front, Cliq's infrastructure behind
- Reporting, Monitoring & ReconciliationAcross your entire merchant portfolio
- Risk ManagementID verification, BIN lookup, and fraud screening
Explore Revenue Opportunities Alongside Your Customers
Embedded financial services can support customer relationships and opportunities for recurring platform revenue. As your customers process more payments and adopt more financial capabilities, your platform can become a more valuable part of their business.
Cliq supports that growth with competitive buy-rates and transparent revenue sharing tied directly to processing volume — plus PayFac technology that is designed to support processing continuity as you scale.
Why Software Platforms Choose Cliq
Built for Modern Software Platforms
Whether you're serving hundreds of businesses or thousands of merchants, Cliq helps you build financial experiences that scale with your platform.
Vertical SaaSERP & Business ManagementHealthcare TechnologyProperty ManagementRestaurant TechnologyField Service SoftwareMarketplaceseCommerce PlatformsProfessional Services Software
Frequently Asked Questions
What are embedded payments?
Embedded payments allow software platforms to integrate payment acceptance directly into their applications so users can complete transactions without leaving the platform. Cliq provides the white-label infrastructure — processing, onboarding, settlement, and compliance-supporting processes — behind that experience.
Can I embed payment acceptance into my software?
Yes. One Cliq integration supports card, ACH, recurring, and digital payment workflows inside your application.
Does Cliq provide APIs?
Yes. REST APIs cover sales, refunds, voids, and account verification, with public documentation and a sandbox at apidocs.cliq.com, plus live developer support.
Can I onboard merchants through my platform?
Yes. Pay by Cliq™ onboarding is fully brandable, with configurable workflows, pre-fill, and application tracking.
Does Cliq support marketplaces and split payments?
Yes. Sub-merchant settlement supports up to 4-way splits on card transactions and 2-way splits on ACH for platforms that distribute funds across multiple participants.
Can I offer financing to my customers?
Yes. Eligible merchants can access $5,000 to $5 million through Cliq's lending partners, subject to eligibility and approval.
Can I white-label the payment experience?
Yes. Payment experiences, onboarding, and operational workflows can all be branded to your platform.
Build the Financial Layer of Your Platform
Your customers already rely on your software to run their businesses. Give them the ability to accept payments, move money, access financial services, and manage operations without leaving your platform — while you stay focused on building the software they love.
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