Payabli Editions · H2 2025

Ignition

We scaled 40x. Here's what we built to fuel it.

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Merchants
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Growth
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Targets Exceeded
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Updates Shipped
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50+ updates across payments, payables, operations, and infrastructure — organized by the 3 Ps that power every Payabli partner

Every way to get paid

Accept payments anywhere your platform lives — cards, ACH, wallets, checks, IVR, and more. Nine major upgrades that make it easier for your merchants to collect revenue.

Shipped

Google Pay & Apple Pay

One-tap checkout, everywhere. Partners can now offer Google Pay and Apple Pay across every payment surface — embedded components, hosted pages, payment links, and Creator-built flows.

  • Express Checkout across all embedded components
  • Configurable button language, type, and style
  • Automatic domain verification for seamless enablement
  • Full developer documentation suite
Embedded Components Hosted Pages Payment Links Creator
 Pay
Pay
📱 Shipped

Remote Deposit Capture

Turn any smartphone into a check scanner. Merchants photograph checks and process them over ACH rails — no bank trip required.

  • Integrated into EmbeddedMethodUI
  • Mobile camera check capture
  • ACH processing with reliable settlement
Embedded Components Mobile
📞 Shipped

IVR Payments

PCI-compliant payments over the phone. Customers call in and pay by card or ACH without speaking to a human — fully automated, always available.

  • Automated phone payment collection
  • Card and ACH acceptance
  • Live with CINC Systems across property management
Phone/IVR API
🧩 New API

Unified Response Code Framework

One response format. Every processor. The new URCF replaces inconsistent processor-specific codes with standardized, RFC 7807-compliant error responses.

  • Standardized across all processors
  • RFC 7807 compliant error model
  • New v2 Pay In transaction APIs
  • Complete processor response code mapping
API v2 Webhooks
🏦 Shipped

Fiserv CommerceHub

Full integration with Fiserv's CommerceHub platform — a world-class card processor alongside Global Payments. Multi-processor architecture, unlocked.

  • Card-present and card-not-present processing
  • Wallet support (Apple Pay & Google Pay)
  • Dynamic descriptors
  • Chargebacks, returns, and NOC handling
API Processing
🔄 Improved

Adjust, Retry & Resolve

Intelligent transaction lifecycle management. Adjust amounts, retry failed payments, or resolve issues — reducing manual intervention.

Improved

Enhanced Batching & Funding

Stability and usability improvements to Payabli's core EBF engine. Hardened for scale, refined for clarity.

🔐 Shipped

Network Tokens

Card credentials that auto-update. Reduces declines from expired cards and improves recurring payment success rates.

Every way to pay vendors

Send money to vendors, suppliers, and contractors — ACH, virtual cards, checks — with compliance automation built in from day one.

Shipped

VendorLink Redesign

The vendor experience, reimagined. Redesigned browser portal and email notifications with configurable display options — cleaner, more professional, and fully brandable.

  • Modernized vendor-facing portal
  • Configurable email display options
  • Payment status visibility for vendors
  • Streamlined onboarding flow
Portal Email
📤 Improved

On-Demand Payables

Send payments via ACH, virtual cards, and checks — all managed through Payabli with built-in compliance. Now with managed payables service selection during boarding.

  • Virtual card delivery link improvements
  • Payout lifecycle events & notifications
  • Batches and funding transparency
  • Reconciliation improvements
🏛️ Shipped

Huntington Bank ACH Rails

Strategic banking infrastructure. ACH credit processing through Huntington National Bank provides an alternative, redundant ACH rail for outbound payments.

  • NACHA file processing integration
  • Auto-payouts capability
  • Ledger integration for reconciliation
  • Activity logs through ETL pipeline
📊 Improved

Payout Status Expansion

More granular visibility into the full lifecycle of outbound payments with expanded status stages.

🏦 New

Multiple Bank Accounts

Configure multiple bank accounts per merchant with support for automatic bank account changes during transitions.

🔗 Improved

Virtual Card Delivery

Improved virtual card delivery links and vendor notification flows for faster vendor payment adoption.

Run your payment program

Board merchants, manage risk, monitor compliance, and operate at scale — all from one platform. The operational backbone of every Payabli partner.

Shipped

The Payabli Portal

The single biggest operational upgrade of the year. A ground-up rebuild of the partner and merchant management interface — modern, performant, and feature-rich.

  • Modern UI with redesigned navigation
  • Application notes, attachments & team communication
  • Customer ticketing portal for support
  • Enhanced reporting & data visualization
  • Customizable themes for white-label branding
  • 7+ partners live in production
Portal White-label
Dashboard
Applications
Merchants
Transactions
Payouts
Reports
Settings
$2.4M
Volume
1,247
Merchants
99.8%
Approval
📋 Improved

Boarding V2

Faster, more reliable merchant onboarding at scale. Improved validations, bulk boarding, and self-service tools for partners who board thousands of merchants.

  • Bulk boarding spreadsheet enhancements
  • Bi-directional notes (email ↔ app notes)
  • File uploads during manual review
  • Socure bank verification integration
  • Sub-org & template creation via API
🛡️ Improved

Underwriting & Risk

Smarter risk policies, enhanced verification, and automated compliance. Built for partners who need enterprise-grade risk management without the complexity.

  • CIT vs. MIT transaction risk policies
  • Socure bank verification
  • Auto-approval failure optimization
  • AML, OFAC & Transaction Risk Monitoring
🎫 New

Support Ticketing

Customer ticketing portal embedded directly in the new Payabli Portal for streamlined support workflows.

📑 Shipped

Payables in Boarding

Managed Payables Service selection during merchant onboarding — configure Pay Out products directly in the boarding flow.

🔍 Improved

Similarity Checks

Automatically associate new applications with existing paypoints to prevent duplicate boarding and streamline operations.

Built to scale

Security, developer experience, and infrastructure investments that power everything else. The invisible work that makes 40x growth possible.

New

Developer Experience, Reinvented

From standardized API responses to example apps, Postman collections, and schema fixes — we invested heavily in making integration faster and more predictable.

  • 5+ example apps delivered
  • Customer-facing Postman collection published
  • API Docs schema fixes & automated testing
  • Response Truing for API contract accuracy
  • Management API for programmatic control
  • OAuth 2 authentication support
// URCF v2 — Unified Response
{
  "status": "approved",
  "responseCode": "00",
  "responseMessage": "Transaction Approved",
  "transactionId": "txn_8f3k2j...",
  "amount": 4250.00,
  "processor": "fiserv",
  "timestamp": "2025-12-23T..."
}
🔀 In Progress

Sierra — Alt Processor

An additional card processing pathway expanding Payabli's multi-processor architecture. Strategic redundancy and expanded capabilities beyond Global Payments and Fiserv.

🧱 In Progress

Embedded Components V2

Ground-up rebuild of embeddable payment components. Security-first architecture, iOS native support, and framework-agnostic integration. Target: H1 2026.

📧 Improved

Email Templates & SendGrid

Overhauled client-facing emails with visual improvements. Migrating to SendGrid for fully managed templates.

🔒 Shipped

Security Hardening

Q3 & Q4 vulnerability remediation, ASV scans, AI security assessment, WCAG AA accessibility updates, and dynamic scanning.

🗄️ Shipped

Token Vault

Centralized, secure token storage — a scalability investment for managing payment tokens as the merchant base grows.

2026: The Year Ahead

The engine is running. Here's where we're taking it.

🖥️
Portal Full Migration
Legacy UI sunset. All partners on the new Payabli Portal. The definitive operating system for payment programs.
🧱
Embedded Components V2
Secure, flexible, framework-agnostic payment components. iOS native support. The next generation of embeddable fintech.
📱
Tap to Pay
Accept contactless payments via smartphone through Fiserv's Soft POS infrastructure. No hardware required.
🖨️
Semi-Integrated Devices
Card-present payments with modern hardware through Fiserv. Terminal-based checkout for brick-and-mortar verticals.
🤖
AI-Powered Operations
Intelligent underwriting, agentic commerce exploration, and AI-assisted operations. Making the platform smarter at every layer.
🔗
ERP Integrations
Connecting Pay Ops directly to partner ERP systems. Seamless data flow between payment operations and business systems.