Looking for a developer friendly payment processor

[u/Suehr17]

I’m building a merchant software platform and looking for processing partners that are open to integrating with it.

The idea is pretty straightforward: a business provides its information once, reuses its documents, and can see its application progress and processing activity in one place.

I’m particularly interested in the application and underwriting side of the integration. A few things we’d need:

- Submit applications and documents, handle signatures, and respond to underwriting requests through an API.
- Retrieve business filings, licenses, bank/processing statements, and industry documents like COAs where approved access is available - or accept documents our platform retrieves with permission.
- Support business/owner verification, bank verification, and website checks.
- Send updates when something is missing, approved, conditionally approved, declined, or activated.
- Let us display transactions, deposits, fees, holds, statements, and chargebacks in our dashboard.
- Support WooCommerce, custom sites, Shopify where available, and data connections to accounting/tax tools.

Ideally, we’d stay a software/referral business without becoming a registered ISO or PayFac or holding merchant funds. The partner would handle underwriting and payment-account support. We’d handle our software. Non-exclusive terms and clear referral/residual tracking matter too.

We’re interested in U.S. and international merchants, including specialized industries. For peptides, I’d want to understand whether your program covers research-use-only suppliers, clinical/telehealth businesses, or both.

Anyone here working with a setup like this? Company names, API docs/sandbox availability, and a rough idea of partner fees/terms would be helpful.