Who opens the merchant account? The question that decides everything
A payment capability is an account plus an API call. Most platforms only give you half.
Every conversation about payment integration eventually hits the unglamorous half of the problem: the merchant account. Someone has to take the application, run the underwriting, carry the compliance and stand behind the money movement. If that someone is you, congratulations — you're becoming a payments company, whether you wanted to or not.
Kuvex opens the accounts
With Kuvex, onboarding is ours. You send us the merchant; we handle the application, the underwriting and the account. Well-qualified merchants are approved quickly, so a merchant your software signs isn't waiting weeks to take a card. The machine arrives with payment capability already in it.
This is the difference between a payments API and a payments capability. An API assumes the account exists. A capability includes it. For a software company, that means the entire payments column of your roadmap — accounts, certification, hardware, integration — collapses into one relationship and one API.
You never become a payments company. That's the point. You stay a software company, with payments that simply work — and pay you back.