SaaS & Platforms Blueprint

Software Platforms

Transform vertical SaaS and marketplace software into financial powerhouses. Programmatically verify and onboard sub-merchants, split customer payments with automated platform fee retention, issue white-label debit cards to users, and capture interchange revenue.

System Architecture & Flow

PLATFORM PAYMENT SPLIT & SUB-MERCHANT LEDGER ARCHITECTUREAutomated Settlement

KYB Verification

Platform onboards business merchant via automated KYB business verification API.

Customer Checkout

End customer pays through platform hosted fields or embedded checkout.

Atomic Split

Rook ledger routes platform commission to master account and net funds to merchant.

Interchange Spend

Merchant spends funds immediately via embedded card, generating platform interchange.

1Onboard Sub-Merchant with Automated KYB

Create an isolated sub-account for the merchant or contractor. Provide business tax IDs, beneficial owners, and operating addresses to satisfy compliance checks.

POST /v1/merchantsOnboard Platform Sub-Merchant

curl -X POST "https://api.sandbox.rookpayments.com/v1/merchants" \
  -H "Authorization: Bearer rk_test_..." \
  -H "X-Program-ID: 7c9e6679-7425-40de-944b-e07fc1f90ae7" \
  -H "Content-Type: application/json" \
  -d '{
    "legal_business_name": "Apex Cleaners LLC",
    "dba_name": "Apex Commercial Wash",
    "ein": "12-3456789",
    "website": "https://apexcleaners.com",
    "beneficial_owners": [
      {
        "name": "Marcus Vance",
        "title": "Managing Director",
        "ssn_last4": "1049",
        "ownership_percentage": 100
      }
    ]
  }'

2Execute Multi-Party Payment Split

When charging the buyer, define the split transfer allocations directly in the checkout payload. Deduct your platform software fee atomically in the same ledger transaction.

POST /v1/payments/split-chargesAtomic Split Charge

curl -X POST "https://api.sandbox.rookpayments.com/v1/payments/split-charges" \
  -H "Authorization: Bearer rk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "gross_amount": 100000,
    "currency": "USD",
    "payment_method": "pm_tok_49102",
    "splits": [
      {
        "recipient_type": "merchant",
        "destination_account_id": "acc_merch_apex_912",
        "amount": 92000
      },
      {
        "recipient_type": "platform_fee",
        "destination_account_id": "acc_platform_treasury",
        "amount": 8000
      }
    ]
  }'

3Issue White-Label Debit Card & Share Interchange

Provide instant access to merchant funds through a co-branded card. Every dollar spent on business expenses earns your platform an interchange revenue share.

POST /v1/cardsIssue Merchant Operating Card

curl -X POST "https://api.sandbox.rookpayments.com/v1/cards" \
  -H "Authorization: Bearer rk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "account_id": "acc_merch_apex_912",
    "type": "virtual",
    "cardholder_name": "Marcus Vance",
    "card_design_id": "des_cobrand_dark_gold",
    "interchange_sharing_tier": "PLATFORM_ENTERPRISE_SHARE"
  }'

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