Partner programme
One integration, and the method exists for every merchant
A PSP's real asset is the merchant base, and the expensive part of any new payment method is reaching it. Integrating 7Konto at the gateway reaches all of it at once: the method appears in checkout for merchants who never had to do anything.
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At a glance
- Who integrates
- You, once, at the gateway
- Merchant effort
- None
- Auth methods
- Wallet card, phone, email code, corporate ID
- Account routing
- B2C and B2B/B2E automatic
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The Starbucks model, for a portfolio
Starbucks holds a very large prepaid float because it built its own closed-loop payment product and its own app to reach it. The economics are excellent and the distribution cost is enormous — which is why almost nobody else has copied it.
A gateway already has the distribution. Adding closed-loop as a native method turns the same economics into a product a PSP can offer every merchant on the platform, without any of them building an app.
The merchant keeps the float, you take a share of a transaction fee that no card scheme is taking a cut of first.
- Smart Account Detection routes consumers and corporate users without a prompt.
- The method can be enabled per merchant or globally, on your schedule.
- Reporting separates offline and online volume per merchant.
The integration
- 01
Discovery
One week to map your checkout, your merchant onboarding and where the method surfaces.
- 02
Build against the sandbox
Authentication, authorisation, capture, refund and reporting, engineer to engineer.
- 03
Pilot
Five to ten merchants across POS and online.
- 04
Roll out
Per merchant or portfolio-wide, under your brand.
Commercials and control
- Revenue share
- Uniform across POS and online volume
- Branding
- White-label: your name on the method and the panels
- Sandbox
- From day one, for your own test suite
- Merchant onboarding
- Through your existing flow, not a second one
- Settlement
- Per merchant, in your existing cycle
- Support
- Direct engineering contact through the build
Questions about this
How does 7Konto embed into a PSP checkout?
7Konto appears as a new payment method inside your existing checkout, next to the cards and wallets you already offer. Every merchant on that gateway sees “Pay with 7Konto” without changing a line on their own site: we integrate once with the gateway, and the whole portfolio has it.
What data stays with us, and what goes to Visa or Mastercard?
All of it stays, and none of it goes. Closed-loop transaction data belongs to you and the merchant, nothing routes through the card schemes, and interchange does not apply. You get full attribution — who spent what, where and when — across POS and online in one dataset.
Do I need an EMI or banking licence?
Not for the usual closed-loop cases: gift cards, employee benefit accounts, hotel guest accounts, event payments. They fall under the limited-network exemption in PSD2 and comparable frameworks elsewhere. Where a programme approaches the edge of that exemption — a very broad merchant network, for instance — we say so before it is built, not after.
Is this the Starbucks model?
The same economics, without the app. Starbucks built a custom application customers had to install, and holds a very large prepaid float as a result. 7Konto delivers the closed-loop side of that through Apple Wallet and Google Wallet, so there is no app to develop and no install step to lose people at — and through PSP embedding it extends to a whole merchant portfolio rather than one brand.
Who can partner with 7Konto?
Banks, EMIs, acquirers, payment service providers, processors, POS terminal vendors and payment networks. Each has its own programme: you extend what you offer merchants with closed-loop capability under your own brand, offline and online.
Do you provide an API as well as a ready widget?
Three paths. The REST API and Terminal SDK for partners with engineering who want full control. The checkout widget as a ready JavaScript embed with four one-click auth methods. And PSP checkout embedding, where 7Konto becomes a native method inside your gateway and merchants integrate nothing at all.
Talk to us about your gateway
A free 30-day pilot, configured and supported by our team.