02Financial Services & Payments
Move money with the controls of a bank and the speed of software.
Processors, ISOs and fintech operators run on Coastal back offices: onboarding, ledgers, commissions, risk and payouts on one auditable platform.
The challenge
What stands in the way.
- Legacy back offices built on spreadsheets and vendor portals can't keep pace with volume.
- Commissions, reserves and chargebacks are reconciled by hand, and every error costs real money.
- Fraud and risk signals are scattered across gateways, CRMs and support inboxes.
What we deploy
Where Coastal goes to work.
- 01
Merchant onboarding and e-signature
Applications, underwriting documents, agreements and activation in one guided flow.
- 02
Double-entry ledgers
Every capture, refund, fee and chargeback posted to a ledger that reconciles to the cent.
- 03
Partner commissions
Buy-rate, revenue-share and flat-rate models computed automatically and paid on schedule.
- 04
Automated payouts
Batch payouts across multiple ACH rails with balance pre-flight, bank holiday calendars and settlement tracking.
- 05
Risk and fraud controls
Card fingerprinting, attempt limits, block lists and network checks enforced at the moment of payment.
- 06
Partner APIs and new payment methods
Documented APIs, embeddable checkout and stablecoin settlement that let partners go live in days.
Systems we integrate
- Payment gateways
- ACH payout rails
- CRM
- SMS carriers
- Stablecoin networks
Impact study
National payments processor
A payments processor replaced a third-party legacy system with a Coastal platform that onboards merchants, keeps the ledger, computes partner commissions and runs payouts.
Make your payments operation AI-native.
Tell us where the friction is. We'll show you what an AI-native version of that operation looks like, built on your systems.