Add embedded payments to your platform

Accept payments, hold balances and pay out — inside your existing product. Describe the flows you need and see them as a clickable prototype.

Start building — it's freeClickable prototype in minutes · No card required

Platforms and marketplaces reach a point where routing payments through a third-party checkout stops making sense: you're leaving margin on the table, you can't control the experience, and your merchants are asking for balances, payouts and financial features you can't offer. Embedded payments — the Stripe Connect model — brings that money movement inside your product.

Kobble's AI builder designs your embedded payments layer from a plain-language description: PCI-compliant card acceptance, Kobble-managed accounts for settlement, PayID/PayTo payouts and webhook events your engineers can build against. The prototype shows the merchant-facing flows; the developer brief shows your team exactly what integrates where.

What you can build

PCI-compliant card acceptance

Hosted inputs keep card data out of your systems and your PCI scope minimal while the checkout stays inside your product.

Managed settlement accounts

Funds settle into Kobble-managed accounts per merchant or per sub-account, with a ledger you can query and reconcile against.

Payouts on local rails

Merchants withdraw to their bank via PayID and PayTo, with batch payout support for platform-initiated runs.

Webhooks for every ledger event

account.created, payment.completed and the rest of the event stream — so your product reacts to money movement in real time.

Multi-currency sub-accounts

Offer merchants balances in multiple currencies, with FX handled by the platform rather than their bank.

Powered by Kobble modules

The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.

Payment acceptance
Managed accounts / ledger
PayID / PayTo payouts
Webhooks & events API
Multi-currency sub-accounts
KYB onboarding

How it works

1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.

Frequently asked questions

How is this different from just using a payment gateway?

A gateway accepts payments and settles to one bank account. Embedded payments give each merchant or user their own balance inside your platform, with payouts, ledger events and financial features under your brand.

What do my engineers actually integrate?

Hosted card inputs, a REST API for accounts and payments, and webhooks for ledger events. The builder's developer brief lists the integration surface for your specific design.

Who holds the money?

Funds sit in Kobble-managed accounts operating under Kobble's Australian Financial Services Licence, with your platform controlling the experience and the API.

Can I start with acceptance only and add wallets later?

Yes — acceptance, balances, payouts and cards are separate modules. A common path is acceptance first, then merchant balances and payouts once volume justifies it.