Getting started is not hard - here is our 3-step guide so that you can get up and running in a matter of minutes:
Open an Innovator account by registering at our Innovator Portal.
2 Choose a Payment Model
Choose a Payment Model which reflects the payment functionality you need in your application and configure your application profiles.
Which Payment Model?
If your application is dealing with Consumers, then choose Consumer Payments. With this payment model, the Consumer can get an account (with associated IBAN) and virtual cards. Money can be deposited into the account by a bank transfer, and funds can then be loaded on to virtual cards using the Transfer transaction.
If your applicaiton is dealing with Businesses, then choose Business Purchasing. This payment model ensures that your business go through the correct due diligence process (KYB) before getting access to a accounts (with associated IBAN) and virtual cards.
If your application is about Businesses sending money to Consumers, then choose Business Payouts. This model ensures that your customers follow the correct due diligence processes - KYB for businesses and KYC for consumers. Businesses get access to accounts (with associated IBAN) to load money and then using the Send transaction, can send payments to Consumers. These payments are loaded on to virtual cards to be spent by the Consumer.
3 API Keys
Take note of the API keys and profile IDs and start building your app by interacting with our Build Environment.
Good to know: The Simulator in our Innovator Portal allows you to simulate external events, such as a bank transfer or a card purchase so you can test your application's behaviour.
Before you go live: Remember that as part of our due diligence processes, we need to verify your business (KYB) before you can move into the Production environment - this may take 2-3 weeks, depending on the structure of your organisation. We also need to review your application or service to ensure it follows the regulations.