coral  connects  commerce  communities

we orchestrate, facilitate, & aggregate payments globally since 2020

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4
continents
africa | americas | europe | asia
40
countries
21 | 12 | 4 | 3
1
API
headless | hosted | json | xml
who we are

coralcommerce is a payments infrastructure product built by people who spent two decades inside the industry and were frustrated by the same complexity, cost, and fragmentation our clients face every day. we built the platform we always wished existed. one connection to a global community of payment partners, commercial agreements you own, and a team that stays embedded in your business for the life of your contract.

2000
since the beginning

over two decades building payment infrastructure before coralcommerce existed, we have seen every failure mode and engineered around them.

pci dss
certified compliant

annually audited and certified since 2020. full-stack compliance built into the platform, not bolted on, so your team carries less of that burden.

1 fee
for the life of your agreement

one single shared-risk fee, billed in arrears. no setup fees, no per-connector charges, no surprises. our incentive is your growth.

people
not a support ticket queue

our technical team embeds directly into yours. you get named contacts, not case numbers, from onboarding through every market you expand into.

how it works
join up ↗

from idea to global payments in a single integration

one api. one agreement. one team. here is the journey every coralcommerce client takes, from first conversation to processing in 40 countries.

01

you bring your business

coralcommerce serves two types of client: merchants using e-commerce platforms or point-of-sale devices who need to accept and process payments, and payment facilitators, ISOs, and agents who need a virtual platform of their own to manage merchant portfolios and access upstream partners at scale. Both start the same way.

merchant e-commerce payfac iso agent
02

connect through one api

Regardless of client type, every connection to coralcommerce is made through a single API, offered as headless or hosted, JSON or XML, designed to fit your existing stack without re-engineering. One integration and team gives you access to a commerce community on the other side.

headless hosted json xml rest
03

your platform is ready

Behind the API sits the coralcommerce platform with your dedicated payments infrastructure. Merchants get a fully managed payment routing layer. Payfacs and ISOs get a virtualised version of the platform to run as their own, enabling them to onboard and manage their own merchant portfolios whilst accessing the same partner network.

orchestration facilitation aggregation virtual platform
04

your connectors are activated

Once upstream partners accept your application, we activate the relevant connectors on your account, representing a specific payment channel to a partner, a payment method, and a currency. From that moment your API can route transactions directly through each active connector: card, wallet, mobile money, or account-based payments, in the currencies your business needs all under your direct control.

card wallet mobile money open banking per currency
05

trade globally

With connectors live, transactions flow through coralcommerce to upstream partners across the world. We handle your routing, settlement, reconciliation, and reporting infrastructure. You focus on cashflow and your customers. Your revenue opportunities launch without limits.

4 continents 40+ countries 40+ currencies settlement reconciliation
*

simplifying complexity

Whether you are a merchant processing through multiple payment partners or a payment facilitator managing hundreds of merchants, across multiple markets, currencies and tax mandates; coralcommerce gives you the infrastructure, the partnerships, and the connectors to operate globally, saving you time, resources and funds. We manage the digital flows, you handle the cash flows.

the problems we solve

through 20 years of experience we help solve these for our clients.

every new market means another integration, another contract, another six months of engineering time we do not have

coralcommerce answer

integrate once, reach everywhere. one api connection to coralcommerce activates all of your connectors for all your partners, payment methods, and currencies. no new apis to integrate every time you expand. your team builds your business and own all your payment commercials, whilst our team does the work.

we are losing sales to failed payments and declined transactions and we cannot even tell which provider is the problem

coralcommerce answer

routing channel rules govern our orchestration to be effective, efficient and robust. coralcommerce routes each payment through the connector best suited to that payment type, currency, and region. if a connector cannot complete the transaction, we can cascade to the next active one. reconciliation reports for consolidated views of approval rates, decline reasons, and connector performance across all connectors and channels.

exchange rates are silently eating our margin, missing payments, and reversed statuses

coralcommerce answer

local acquiring partners lead to transparent costs. our connectors are built for the markets they serve, with resilient payment flows, status checks and monitored fx rates. multi-currency connectors let you collect and settle in the currency your customer pays in. no hidden markups. no layered payment models adding cost and latency at every hop.

staying compliant across every jurisdiction we operate in has become a full-time job that is pulling us away from growing the business

coralcommerce answer

compliance is built into every connector for card rules, fees, taxes, aml, and kyc. every coralcommerce connector is built and maintained to meet the regulatory requirements of its market. when regulations change, we update the connector. you do not need to track 42 new data regulations a year across every country you operate in, we share that responsibility for you.

our finance team spends days every month logging into five different provider portals just to reconcile a single period

coralcommerce answer

one platform, one view, one reconciliation. every transaction across every active connector flows into a single reporting layer. approvals, declines, fees, settlements, chargebacks, all visible in one place, attributed to the right connector, the right currency, the right market. your finance team closes the books faster. your operations team stops firefighting.

we sign up merchants and then hand them to a processor, and from that moment we lose all visibility, all control, and all the relationship

coralcommerce answer

your merchants stay yours. coralcommerce gives payfacs, isos, and agents a virtualised version of the platform, your brand, your portfolio, your control. you onboard your own merchants, manage their connectors, monitor their transactions, and own the relationship end to end. merchants also retain full control over merchant agreements with payment partners. we bill you one fee for platform use in arrears.

what you get

everything you need to accept, process, and manage payments

01

payment methods

every transaction flow your business needs to run, from a customer tapping a card at a point of sale to a merchant initiating a recurring subscription charge weeks later. we support the full lifecycle: authorise, capture, void, refund, retry. 3ds v2.2 frictionless and challenge flows are built in, not add-ons. if your checkout needs it, the platform handles it.

online payments point of sale · pos payment links recurring payments subscriptions authorisation pre-authorisation capture void refunds 3ds frictionless flows 3ds challenge flows merchant initiated transactions customer initiated transactions moto · mail & telephone order batch payments
02

payment types

the instruments your customers actually carry differ dramatically by market: a mobile money wallet in nairobi, a pix transfer in são paulo, a visa card in london, a gcash qr in manila. coralcommerce connectors are built for local instrument behaviour in each market, not retrofitted from a western card-first architecture. your checkout accepts what your customer has, wherever they are.

credit cards debit cards prepaid cards virtual cards visa · mastercard · amex · unionpay · jcb local card schemes mobile money mpesa · orange · mtn · airtel digital wallets local & regional wallets bank transfer open banking · account-to-account direct debit · ach · eft cryptocurrency stablecoins
03

platform services

everything you need to run a payments operation without building it yourself. hosted or headless checkouts your team can deploy in days. full pci dss compliance that covers your entire integration. brandable portals so your merchants, staff and customers experience your brand throughout. and our technical team, real people, embedded in yours, handling onboarding, monitoring, and the complexity that would otherwise consume your engineering capacity.

hosted payment checkout hosted page template library headless payment checkout card store · tokenization online test harnesses sandbox environments full stack pci dss compliance complex user type management extensive fees & commissions module extensive logs & audit trails reconciliation & settlement reporting brandable merchant portal brandable staff portal brandable customer portal brandable email notifications brandable sms & messaging directly integrated technical teams dedicated onboarding support real-time connector monitoring dispute management fraud tooling & risk controls
where we operate

local knowledge, global reach, built market by market since 2020

africa

africa — 21 countries

700 million+ registered mobile money accounts · world's fastest-growing mobile payment market

Africa is not one market — it is 54 distinct regulatory environments, 2,000+ languages, and the world's highest concentration of mobile-first consumers. CoralCommerce connects international brands and local merchants to licensed payment partners across the continent, from Nigeria's fintech corridors to Kenya's mobile money infrastructure, from South Africa's card-mature economy to the DRC's emerging digital payments market.

Our African connectors cover mobile money operators including Safaricom mPesa, MTN MoMo, Airtel Money, Orange Money, Vodacom, Tigo, Wave and more alongside card acquirers, bank transfer rails and wallet providers, all accessible through one API.

nigeria kenya south africa ghana tanzania uganda drc ethiopia senegal côte d'ivoire zambia mozambique expanding 2026
americas

americas — 12 countries

Latin America is the world's fastest growing digital payments region, led by Brazil's Pix instant payment revolution, Mexico's SPEI rail, and a wave of fintech adoption across Colombia, Argentina, Chile and Peru. North America remains the highest volume card market globally, with deep ACH and real-time payment infrastructure.

CoralCommerce operates across 12 countries in the Americas, connecting clients to local acquirers, Pix, ACH, SPEI, bank transfers and card networks, plus local schemes including Naranja, Cabal, Elo, Hipercard, Webpay, and more through one API with multi-currency settlement.

brazil mexico colombia argentina chile peru ecuador panama costa rica usa canada expanding 2026
europe

europe — 4 countries

500+ PSPs operating under PSD2 · open banking transactions growing 40% year-on-year · SEPA covers 36 countries

Europe's payment landscape is defined by regulatory rigour and rapid innovation — PSD2 and its successor PSD3 have created the world's most open banking ecosystem, while SEPA instant payments and local schemes like iDEAL, Bancontact and Sofort sit alongside card-dominant markets in the UK and Germany.

CoralCommerce's European connectors are built for PSD2 SCA compliance from the ground up, 3DS v2.2 frictionless and challenge flows, open banking account-to-account payments, and card acquiring across the UK, EEA and beyond, with GDPR compliant data handling throughout.

united kingdom germany france netherlands spain italy belgium ireland poland expanding 2026
asia

asia — 3 countries

Southeast Asia digital payments are booming · QR Code payments dominant across ASEAN · India UPI processes billions in transaction values each year

Asia's payment infrastructure is the most diverse and fastest evolving in the world, from India's UPI real-time rail processing billions of monthly transactions, to Southeast Asia's QR Code dominated consumer payments, to the deep wallet penetration of GCash in the Philippines and GoPay across Indonesia.

CoralCommerce is actively expanding its Asian connector network, with existing coverage in key Southeast Asian markets and direct partnerships with regional wallet and mobile payment providers. If your business is entering Asian markets, our team has the regional relationships to accelerate your go-live.

philippines indonesia india vietnam thailand singapore expanding 2025–26