API Documentation
Implementation Guide
Integrations simplified
Implementation Guide
Information for partners who will integrate Fractal’s features into their apps. This guide provides partners with all the information to set up, test, and launch Fractal integration as part of their application. This process includes four main phases:- Creating an SOW - Work with Fractal to create a Scope of Work describing your integration and identifying requirements across the Fractal Platform.
- Sandbox Setup - In the Fractal Sandbox environment, you will define the settings and workflows utilized in the platform features of Fractal for your integration.
- Merchant Boarding
- Payment Acceptance
- Fees and Billing
- Funding
- Testing and Migration - Once your sandbox application is set up, Fractal will help to test and migrate your implementation to the Fractal Production environment.
- Merchant Support Features - Enabling Fractal Merchant Support features gives your merchants the ability to manage disputes and run reports.
Scope Of Work Creation
This resource outlines the Scope of Work requirements pre-Implementation. All integrating Partners and software platforms work with the Fractal Solution Engineers and Sales Team to create a Scope of Work that describes what your integration will look like and the associated requirements across the Fractal Platform. During Pre-Implementation, you will work with a Fractal Solution Engineer to fill in the Integration form. This page includes details about all of the information that you we will add to the form.Table of Contents
Overview
Building a Scope of Work with our Prospect Platforms involves a discussion about Features and Risk Considerations and collects data on how our Clients hope to leverage the Fractal Platform across the 4 Merchant Support features related to Payment Facilitation:- Merchant Boarding
- Payment Acceptance
- Fees, Billing, and Funding - tbd
- Merchant Support - tbd
Merchant Onboarding Details
Boarding Integration
Select your Merchant Boarding Integration. See the onboarding Integration Options table for an explanation of each option.| Boarding Integration Options | Note |
|---|---|
| Portal - TBD | Clients will be boarded via the Fractal portal. |
| Signup Form | Merchants will be boarded via an online signup form. |
| Full API Boarding | The Full Boarding API is a managed service allowing you complete flexibility in the creation of new merchant locations. |
| Bulk | Fractal will work with you to meet the necessary technical and underwriting requirements for bulk onboarding, simplifying the process of migrating your existing Merchants to Fractal from another platform. |
| Onboarding Webhooks | The onboarding webhooks provide you complete awareness around the merchant onboarding process. |
Payment Workflow
| Question | Note | Payment Methods |
|---|---|---|
| Please describe your ideal payment workflow: | Example: - Customer visits your website, selects products, clicks “pay now”. - The customer enters payment information to pay for the product. - Payment is approved, and the customer is given the option to save card details for future payments. - The product is dispatched. | - Tokenization & Recurring Payments - Direct Portal Payments & Quick Charge - Bridge Payments Custom Portal - Direct API Payments - Card Present Payments - eCommerce & Online Payments |
| Payment Integration Options | Note |
|---|---|
| Widgets | A suite of link and payment widgets that can be seamlessly embedded into your application. |
| Links | An iframe solution where the payment capture process will occur either within the iFrame or on a hosted page. |
| Fractal JS | An embeddable JavaScript tokenizer that encrypts card data, ensuring PCI compliance for your application. |
| Wallet | Provides merchants with a collection of card-on-file and billing-on-file solutions via API. |
| Charges Webhooks | A feature that allows the platform to receive real-time notifications when charges are captured on our hosted solutions. |
Risk and Compliance
Disputes and Chargebacks
| Question | Note |
|---|---|
| Portal Only | Disputes are managed via the portal |
| API Integration chargeback documents/responses | Disputes are managed by Partner/Client via API |
Funding
| Question | Note |
|---|---|
| Fractal Only | Funding is managed via Fractal only. |
| Next-Day Funding | Funding is available the next day. |
Partner Launch Timeline
Projected Timeline
| Question | Description |
|---|---|
| Implementation Kick-Off Call: | Date of the first implementation call |
| Anticipated Integration Target Start Date: | When do you expect to start the integration |
| Anticipated Integration Target Finish Date: | Expected date to finalize integration |
| Target Beta Onboarded: | Estimated Target Beta Onboarded Date |
| Target Full Launch: | Target full launch date |