Payments · Beta
PayFac you can leave.
Embed charges for your customers and merchants. Your name on the statement. Settlement you can open.
pnpm add @vortex-api/payments-sdkimport { createVortex, getMerchantAccountSettlements } from "@vortex-api/payments-sdk/2026-08";
// vb_test_ key = sandbox
const vortex = createVortex({
apiKey: process.env.VORTEX_API_KEY,
});
const { data } = await getMerchantAccountSettlements({
client: vortex,
path: { merchantAccountId: "mer_…" },
});
Install an SDK. Create a charge against sandbox.
- Minutes
- to a sandbox key
- 0
- API operations
- 0
- SDKs
How it works
Sandbox key to first settlement in one sitting.
- 01
Get a key
Open the dashboard. Copy a vb_test_ key. No sales call for sandbox.
- 02
Charge
SDK or curl. Merchants are API objects your platform owns.
- 03
Inspect settlement
Gross, fees, net — on the settlement object finance can read.
Who buys this
If you take money for customers, this is for you.
Four seats at the table. One API.
Founders
Launch payments without becoming a payments company. Keep the merchant relationship. Keep the option to leave.
Developers
Charges, refunds, disputes, merchants, webhooks — OpenAPI and versioned SDKs, not a PDF and a hope.
Engineering managers
Ship a money path the team can own. Readable settlement. Docs that include migrate-away.
Business & ops
Statement branding is yours. Fee lines are explicit. Sandbox numbers match the shape of production objects.
Why Payments
Platform money without the black box.
Built for products that take payments — SaaS, marketplaces, platforms.
Sub-merchants as objects
Onboard merchants in the API. They settle under your PayFac — not as a mystery spreadsheet.
Inspectable settlement
Every closed settlement shows gross, fees, and net. Your eng and finance teams see the same truth.
Webhooks you can run locally
Signed events. Forward to localhost while you build. Same contract in sandbox and beyond.
Leave-able by design
We document migrate-away. Lock-in is a product failure — not a strategy.
Use cases
Where teams put Vortex Payments.
SaaS that invoices customers
Charge cards, refund cleanly, settle under your brand. Billing product sits on the same key.
Marketplaces & platforms
Merchants as API objects. Platform fee and processing fee visible on settlement.
Product-led startups
Founder + one eng. Sandbox in minutes. Ship the money path before you hire payments specialists.
Teams replacing a bolt-on
Tired of a payments vendor that owns the customer relationship. Reclaim statement branding.
Straight talk
What we claim — and what we don’t.
Beta means sandbox-first. We sell the path, not theater.
- Sandbox key in minutes. Self-serve.
- 173 OpenAPI operations. Three SDKs: TypeScript, Python, Go.
- Your name on the statement. Settlement is inspectable.
- We are not an agent wallet. Natural covers agent money — Vortex is PayFac for your customers.
- Tax calculation is separate; we do not claim MoR tax liability.