Merchant onboarding
Business-first application without collecting sensitive card or owner credentials in our app.
V1 / BUILD PHASE
Build the control layer.
Plug in the rails.
We can build nearly the entire 7STRMS Payments operating system before a PFaaS partner issues production credentials. The provider becomes a replaceable rail — not the product.
6V1 modules building now
0raw card numbers stored
1provider adapter boundary
24/7AI-ready operating layer
THE CONTROL PLANE
Everything we own sits above the processor.
Merchant acquisition, qualification, underwriting workflow, risk intelligence, data, UX, and orchestration remain 7STRMS assets.
AI acquisitionFind + qualify
→ Merchant appBusiness intake
→ 7STRMS riskReview gate
→ AdapterNormalize provider
→ PFaaS railFinal live approval
BUILD NOW
V1 modules that do not require live credentials.
The only intentionally missing piece is a live provider credential set. The product architecture can be completed around that dependency.
Risk intelligence
Rules + AI-ready scoring layer that surfaces exposure and routes cases for human review.
Underwriting console
Internal gate to reject, request information, review, or submit to an approved provider.
Provider adapter
One stable 7STRMS API boundary for Worldpay, Finix, NMI, or another acquiring partner.
Transaction model
Provider-hosted payment fields keep raw PAN data out of the 7STRMS application layer.
Merchant dashboard
Volume, payouts, disputes, refunds, acceptance health, and processing insights in one place.
The working demo should prove the whole lifecycle.
PROSPECT→APPLICATION→RISK REVIEW→PROVIDER→APPROVAL→PAYMENT→DASHBOARD
Safe by design
V1 uses provider-hosted/tokenized payment collection. The 7STRMS control plane should never need to store raw PAN/CVV data.