Build your own payment gateway on Dotfy infrastructure.
Empower your platform, SaaS, or franchise network to provision isolated subaccounts via API, display your own brand descriptor on customer statements, and capture margin on every transaction.
What your enterprise unlocks operating as a BaaS
Bypass the multi-year bureaucracy of registering regulatory clearing arrangements from scratch. Dotfy provides the complete rails under your master management.
Custom Statement Descriptor
Your end buyer views your brand or your subaccount's trade name on their credit card and bank statement, guaranteeing complete consumer trust.
Automated Spread Capture
You configure custom interchange fee markups for each subaccount. The net spread between your base infrastructure tier and merchant fees is credited automatically to your master balance.
Autonomous Risk Partitioning
Each subaccount operates with segregated ledger balances and independent limits. Operational or chargeback risks from one seller never impact other platform tenants.
Engineered for high-throughput scaling architectures
Plug your operational workflow into automated D+0 clearing.
Provision merchants in 1 REST call
Route POST /api/subaccounts creates the ledger wallet, binds instant payment keys, and configures descriptors in real time.
# Provisioning new subaccount with custom descriptor and spread markup
curl -X POST "https://api.dotfy.com.br/api/subaccounts" \
-H "Authorization: Bearer vk_live_master_998a..." \
-H "Content-Type: application/json" \
-d '{
"slug": "express-store-ny",
"businessName": "Express Retail Commerce LLC",
"document": "45123987000188",
"email": "billing@expressstore.com",
"gatewayFeeMarkup": {
"pixFixedMarkup": 0.50,
"creditCardPercentMarkup": 1.20
}
}'Ready to operate as your own fintech?
Our engineering and structured partnerships team is ready to onboard your master account with customized infrastructure tiers.