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north america  ·  payment infrastructure

payment orchestration in North America

the world's largest card market, deep ACH rails, and real-time payments growing fast, reached without a money transmitter license, because CoralCommerce never touches client funds. here is how U.S. and Canadian businesses work with us, and who represents us on the ground.

6 minute read CoralCommerce team North America
definition

Payment orchestration in North America is the routing of transactions across licensed acquirers, processors and payment rails, cards, ACH, real-time payments and more, through a single API. CoralCommerce operates purely at the orchestration layer: we never hold, move or custody client funds, the way a payment facilitator, ISO or PSP does. That distinction is what allows CoralCommerce to serve US and Canadian businesses today without a money transmitter license — the licensed partners in each transaction chain carry that responsibility, not us.

0
client funds held
CoralCommerce routes transactions, it never custodies client money — the core distinction from a PayFac, ISO or PSP
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ways to work with us
direct orchestration, full international processing, or your own payment platform built on top
TX
Rockwall, Texas
home of CoralCommerce America LLC, our on-the-ground North American representation
2020
orchestrating payments since
the same platform and team serving Africa, Latin America, Europe and Asia now extends into North America

orchestration, not custody

The most common misconception about entering the US payment market is that it requires a money transmitter license. That requirement exists for businesses that hold, move or custody client funds, payment facilitators, ISOs and PSPs among them. CoralCommerce does none of that. We sit above the regulated money-movement layer, not inside it: every dollar continues to move through licensed acquirers, processors and banking partners, and CoralCommerce orchestrates the routing, logic and reporting across them through one API.

This is not a workaround, it is the model. It is also exactly what makes CoralCommerce useful to the payment facilitators, ISOs and agents who do hold that license, and would rather not build their own orchestration layer from scratch.

coralcommerce position

we built this same orchestration-first model in Africa, Latin America, Europe and Asia before bringing it to North America. the platform and the team are proven, the license-free structure is by design, not by delay.

three ways to work with CoralCommerce in North America

Businesses reach CoralCommerce in North America through one of three doors, depending on what they already have in place:

Use the platform directly. US and Canadian merchants who want a single API across acquirers, processors and rails for their own transactions, one integration, one reporting layer, instead of managing each provider relationship separately.

Hand us your international processing. Businesses already operating in North America that are expanding internationally, and would rather have one orchestration partner running that side of the business than negotiate market-by-market processor relationships themselves.

Build your own payment platform on top. Payment facilitators, ISOs and agents who want the orchestration layer already built, tested and running, rather than spending years and engineering budget building and maintaining it themselves.

represented on the ground: CoralCommerce America LLC

CoralCommerce is a British payment orchestration platform, but the US market rewards a face-to-face relationship the way few others do. CoralCommerce America LLC, based in Rockwall, Texas, is CoralCommerce's only representation in North America, operating under license of the CoralCommerce brand.

Jan (JP) and Susan Bailey, CoralCommerce America LLC
Jan (JP) & Susan Bailey
CoralCommerce America LLC
2931 Ridge Road
Rockwall, TX 75032

If you are a US or Canadian business exploring CoralCommerce, JP and Susan are your local point of contact, a real conversation and, where useful, a face-to-face meeting, backed by the full CoralCommerce platform and team.

frequently asked

questions about payments in North America

Does CoralCommerce need a money transmitter license to operate in the US?

No. CoralCommerce orchestrates transactions across licensed acquirers, processors and rails, it never holds, moves or custodies client funds. That responsibility sits with the licensed partners in each transaction chain, not with CoralCommerce.

Who represents CoralCommerce in North America?

CoralCommerce America LLC, based in Rockwall, Texas and run by Jan (JP) and Susan Bailey, is CoralCommerce's sole representation in North America, operating under license of the CoralCommerce brand.

Can payment facilitators, ISOs or agents build their own payment platform on CoralCommerce?

Yes. This is one of the three primary ways businesses work with CoralCommerce in North America, using the orchestration layer as the foundation for a platform they operate under their own brand and commercial terms.

Does CoralCommerce process payments directly for US merchants?

CoralCommerce orchestrates across licensed US and Canadian acquirers, processors and rails on a merchant's behalf. It does not hold or move funds itself, that stays with the licensed partners in the chain.

Can CoralCommerce manage international processing for a North American business?

Yes. Businesses already operating in the US or Canada can hand CoralCommerce their international processing as they expand abroad, one orchestration partner instead of separate processor relationships in every new market.

How do I get in touch with CoralCommerce in North America?

Request a demo through coralcommerce.com, or reach out to Jan and Susan at CoralCommerce America LLC in Rockwall, Texas, for a local, face-to-face conversation.