Ryft

Ryft: embedded payments infrastructure for marketplaces and platforms

Ryft is a payment technology company offering a unified solution for marketplaces and platforms. Its proposition allows you to accept payments online and in person, manage subscriptions and delayed payments, automate split payments and monetise transactions from a single integration. The company states it processes payments for more than 6,500 businesses and has more than 1,500 active merchants.

Payment processing and accepted methods

The platform supports payments with all major credit and debit cards, including American Express, Visa and Mastercard, as well as digital wallets such as Apple Pay and Google Pay. It also enables multi-currency transactions for cross-border commerce. Its capabilities include card terminals, online and in-person payments, and payment analytics that provide visibility over transaction status, payment data and the flow of funds.

Split, delayed payments and subscriptions

Ryft allows you to assign custom rates per seller, item or transaction, and automatically deduct fees and commissions in real time. For conditional payments, the platform allows you to configure holding periods and rule-based fund release triggers, with the aim of reducing fraud. It also offers recurring billing with configurable intervals, automated subscription management and retry logic for failed payments.

Embedded payments and monetisation

The company offers embedded payments that allow platforms and marketplaces to generate revenue from fees on each transaction processed. The payment experience can be integrated through a native, white-label checkout optimised for conversion. Ryft also provides a built-in KYC/AML flow for seller onboarding.

Regulatory compliance and security

Ryft states it is regulated by the Financial Conduct Authority (FCA) in the UK and is compliant with the revised Payment Services Directive (PSD2). It also presents itself as a certified PCI DSS Level 1 Service Provider, with 3DS 2.0 implementation for Strong Customer Authentication, end-to-end encryption and tokenisation.

Technology and integration

The platform provides RESTful APIs and SDKs for web, iOS and Android, with webhooks for real-time notifications. It states 99.9% uptime and failover mechanisms to protect each payment. It also offers a sandbox environment for testing.

Use cases and customers

Published cases include Tuft, a marketplace that according to the material reduced its payment costs by 62%; Epos Now, for enterprise POS payments; THECODE, a premium fashion marketplace; Clearhaus; Order Tiger; SwiftOrder; Weldricks Pharmacy; and Viing. The testimonials cited highlight Ryft's ability to manage complex multi-party payment flows, commercial flexibility and dedicated support.

Reported metrics

• More than 6,500 businesses processing payments.
• More than 1,500 active merchants.
• 98% reported satisfaction rate.
• 99.9% uptime.