Payment Infrastructure
Payment infrastructure
built for software.
FinStackLabs connects applications, merchants and payment processors through a standardized payment orchestration layer. One integration. Multiple merchant configurations. Maximum flexibility.
Processor independent
Keep processor complexity behind a standardized application layer.
Built for multi-merchant environments
Support independently boarded merchant accounts through one software architecture.
Developer first
API-first infrastructure designed for modern software teams.
Payment Infrastructure
The Problem
Payments shouldn't dictate
your software architecture.
Software companies often build directly around a processor or gateway. As payment relationships change, integrations have to change with them.
FinStackLabs creates the infrastructure layer between your application and the payment ecosystem so the application architecture can remain consistent while merchant and processor configurations evolve.
One integration
Connect your application once through a standardized API.
Multiple merchants
Support independently boarded merchant accounts and configurations.
Processor abstraction
Keep downstream processor complexity behind the orchestration layer.
Our Platform
Craftsman Payments
The orchestration layer for modern commerce.
Craftsman Payments provides a standardized payment API, secure credential infrastructure and merchant-specific configuration layer for card and ACH processing. Applications integrate with Craftsman Payments rather than directly with individual processor environments.
Merchant Routing
Route payment requests using each merchant's approved processing configuration.
Secure Credentials
Store merchant gateway credentials under encryption and isolate access from client applications.
Merchant Isolation
Maintain separate applications, keys, customers and transaction history for each merchant.
Transaction Visibility
Centralize payment activity and transaction history across configured merchants.
Security at the core
Sensitive processing credentials are encrypted server-side, merchant environments are isolated, and administrative changes are recorded through the audit trail.
How It Works
A better way to process payments.
Application
Your software sends a payment request.
Craftsman Payments
Orchestrates the merchant configuration and payment flow.
Gateway / Processor
Processes the payment through the merchant's approved processing relationship.
Merchant Account
Funds settle according to the merchant's approved merchant account configuration.
The application does not need to know which underlying processor or merchant configuration is being used.
Built for Software Companies
Powering payments
across software.
SaaS Platforms
Embed payment capabilities without tightly coupling your product to a single processor.
Vertical Software
Support independently boarded merchants using one consistent payment architecture.
Development Companies
Deploy a standardized payment layer across multiple applications and client environments.
Integrated Commerce
Support card and ACH workflows through one consistent application layer.
Merchant Accounts
Merchant infrastructure
connected to software.
FinStackLabs works with licensed processing partners to support independently boarded merchant accounts while Craftsman Payments provides the technology layer connecting those accounts to software applications.
Independent Onboarding
Each merchant is independently boarded and underwritten by the applicable processing partner.
Merchant-Specific Configuration
Each merchant maintains its own approved processing relationship and processing credentials.
Direct Settlement
Funds settle directly according to the merchant's approved processing relationship and merchant bank account.
Lifecycle Support
Manage merchant configuration from onboarding through ongoing payment operations.
Each merchant is independently boarded and underwritten by the applicable licensed processing partner and settles directly to its approved merchant bank account.
FinStackLabs and Craftsman Payments do not aggregate merchant funds.
Card and ACH processing is provided by licensed processing partners. FinStackLabs and Craftsman Payments provide payment orchestration and technology infrastructure.
Developers
API-first.
Built for builders.
A clean API and developer-focused infrastructure designed to make integrated payments easier to implement and manage.
/payments{
"merchant_id": "mrc_12345",
"amount": 12900,
"currency": "USD",
"payment_method": "card"
}Why FinStackLabs
Build your software around your customers.
Not your processor.
Payment relationships change. Software architecture shouldn't have to. FinStackLabs creates a consistent infrastructure layer between your applications and the payment ecosystem.
Build once
Integrate your application with one standardized payment layer.
Configure independently
Maintain merchant-specific processor and credential configurations.
Evolve without rebuilding
Keep downstream infrastructure complexity outside your application code.
Payments infrastructure
without the processor lock-in.
Build better. Keep your payment architecture flexible.