Add a second processor without a second project

A processor change should be a configuration change.

Hard-wiring one processor into the product works until it does not.

Then the OEM asks for another supplier. Finance wants a second rail. Rates move. You pay for discovery again.

The problem

Most platforms wire last year’s processor straight into checkout and settlement. The interface is the vendor.

When you need a second processor, you do not have a layer. You have a rewrite.

One integration on your side. Processors sit behind it.

You keep the processor contracts. You keep the spread. The layer runs in your perimeter.

We wire a second processor into every build on purpose. The next one is not a new greenfield.

Not a hosted orchestration SaaS you rent forever.

Not us becoming your PSP.

Not us holding funds.

Futurify is an ISV. Nothing on the money path.

Build — fixed price for the layer and the cutover.

Run — monthly per account so connectors and exceptions stay owned. Ask for the current ladder.

Partner fees — disclosed before we recommend a processor.

Beniplus: about $1M a month through an integration and ledger we built. Manual EFT file uploads to Zum Rails. Reconciled per member.

Nuvei: multi-year delivery relationship building money-movement systems for a payment company. Past capability. We are not a processor.

You already know you need more than one vendor behind the payment interface. You have a date, or you will soon.

Start with the processor you are leaving and the one you want beside it.

Payment migrations and cutovers — migration scoping and day-one cutover plans
Payment reconciliation for platforms — ledger and exceptions queue with Run ownership
How we are paid — Build, Run, partner fees