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Coriunder

Onboard sub-merchants. Settle them. Report on them.

Coriunder gives PayFacs the orchestration, KYB, fee-template and split-payment infrastructure to grow a sub-merchant portfolio without building it from scratch.

Schedule a demo Compliance
CardaqCardaq
Banking CircleBanking Circle
The Bank of LondonThe Bank of London
CodegoCodego
CrassulaCrassula
Fintech LabFintech Lab

For Payment Facilitators: onboard sub-merchants in minutes

KYB, MID provisioning, split payments and sub-merchant settlement for payment facilitators - in one console.

Minutes

Typical sub-merchant onboarding

At capture

Split payments

Level 1

PCI DSS certified

Built for the PayFac model

PayFacs live or die on onboarding speed and per-merchant economics. Coriunder handles both with rules-driven KYB, automated MID provisioning and per-sub-merchant fee templates.

1Sub-merchant takes a paymentHosted page
pay.yourplatform.com/lumen
•••• •••• •••• 4242
04/27
Pay €19.00
2Card data never reaches your platform
Captured, tokenised, stored
Inside Coriunder's PCI DSS Level 1 scope
tok_4Lq8·x2N
3Your scope, by integrationQSA audited yearly
SAQ-AHosted payment page or cashier
SAQ-DServer-to-server integration

PCI DSS Level 1

Coriunder is PCI DSS Level 1 certified and audited annually by a Qualified Security Assessor. Card data is captured, tokenised and stored inside our scope. Clients using the hosted payment page or cashier typically qualify for SAQ-A; server-to-server integrations require SAQ-D.

See the certifications
1Start from a default template
Card rate
2.5%
Fixed fee
€0.20
Chargeback
€15.00
2Vary it by tier, vertical or volume
Sub-merchant fee templatesLive
Retail tierAll new sign-ups2.5%Default
Services tierPer vertical2.9%Rule
Volume tierOver €250k / mo2.2%Rule
3Override for a negotiated account
AS
Acme Studio
Key account · custom rate
2.5%→1.9%Override

Per-sub-merchant fees

Apply different commercial structures by sub-merchant tier, vertical or volume. Override the default for specific accounts when you negotiate custom rates.

See fee management
1One sale is capturedOrder 1042
Lumen Studio · Visa •••• 1881
€100.00
Captured
2Split at the acquirer levelNo post-capture allocation
Sub-merchant 92%Platform 8%
3Both sides settle from the same transaction
LSLumen StudioShare of the sale€92.00Settles
YPYour platformYour fee€8.00Settles

Sub-merchant settlement

Settle to the platform and the sub-merchant from a single transaction at the acquirer level - no post-capture allocation gymnastics.

See marketplaces
1Set thresholds per sub-merchantNorthwind Tours
Max ticket
€2,000
Daily volume
€50,000
CB ratio
0.9%
2Each payment gets an action
€240.00Within limitsAuto-approve
€1,980.00Near max ticketQueue
€3,400.00Over thresholdBlock
3Chargebacks in the same console
Chargeback ratio · 30 dayslimit 0.9%
Lumen Studio
0.2%
Acme Studio
0.4%
Northwind
0.8%

Risk and chargeback control

Per-sub-merchant risk thresholds with auto-approve, queue or block actions. Chargeback management built into the same console.

See monitoring
1Your domain and logo
YP
merchants.yourplatform.com
2Sub-merchants log in to your portal
YPLumen Studio · DashboardOctober
Sales
€18,420
3Pages and statements matchNever Coriunder
Payment pagesStatementsPortal

White-label everything

Sub-merchant portal, payment pages and statements all branded for your platform. The sub-merchant never sees Coriunder.

See onboarding
How it works

How PayFacs use Coriunder

1

Onboard

Sub-merchant submits an application; rules engine triggers the right KYB provider, scores the application, provisions MIDs and assigns the fee template - typically in minutes.

2

Operate

Split payments at capture, monitor sub-merchant performance, manage chargebacks and update fee structures from a single console.

3

Settle

Automated payouts to sub-merchant accounts on the schedule you set, with full fee breakdowns and reserve calculations.

Frequently asked questions

Still have a question?

Ready to grow your sub-merchant portfolio?

Talk to our team - we'll scope your verticals, KYB requirements and onboarding flows.

See the checkout Talk to our team

Security and compliance documentation is available under NDA. Talk to our team to request access.