Payments infrastructure · One API · Multiple markets

The biggest rails in payments.
Yours in minutes.

Accept cards, bank debit and instant bank payments through one integration — built on the rails of the world's largest merchant acquirer. Sign up yourself. Onboard your merchants yourself. No sales calls, ever.

Start now → Quadriel for Platforms
✓ Self-serve signup ✓ Underwritten up front — payouts never frozen ✓ Cards, Direct Debit & instant bank payments
Harbourline Studio Today
£12,480.50
Net volume · settles tomorrow
Direct DebitMeridian Fitness
Membership · monthly£85.00
CardJ. Okafor
Invoice INV-2041£3,840.00
Pay by BankCalder & Sons
Instant · settled£1,150.00
InstalmentM. Patel
2 of 4 · auto£625.00
// One object. Every rail.
const payment = await quadriel.payments.create({
  amount: 62050,
  currency: 'gbp',
  method: 'bank_debit', // or 'card', 'open_banking'
  customer: 'cus_9f2Ke',
  schedule: { interval: 'month' }
});
The rails beneath us

The most connected rails in payments.

Quadriel runs on the rails of Global Payments — the world's largest merchant acquirer. The most connected, most proven payment infrastructure there is, with a modern platform on top.

$3.7tncleared annually on the rails beneath Quadriel
175+countries of underlying rail coverage
6m+merchant locations served on these rails
1integration for cards, Direct Debit and instant bank payments
Rail figures are Global Payments group figures (2026). Quadriel is an independent platform built on Global Payments rails.
Two ways in

Take payments. Or power them.

For merchants

Start taking payments today

Sign up yourself, complete one application, and take cards and Direct Debit — online, by link, by invoice, in person. Payouts settle straight to your bank. No sales calls, no contracts to negotiate.

Start now →
For platforms

Embed payments across your customers

Run software that businesses use? Onboard your customers from inside your product. Each becomes a fully-underwritten merchant under your agreement — taking payments in your platform and everywhere else they sell — and you earn on every single transaction.

Create your organisation →
One integration · four money systems

Every country calls it something different.
Your code doesn't care.

Bacs, ACH, PAD, BECS — bank debit has a different name and a different rulebook in every market. Quadriel abstracts all of it: one API object, one dashboard, one settlement view.

Products

Everything a merchant needs. Nothing metered twice.

Modular like Stripe. Priced like it's on your side.

💳

Payments

Accept every major card online and in person. Hosted checkout, payment links, full API — next-day settlement.

Explore Payments →
🏦

Bank Debit

Bacs, ACH, PAD and BECS as first-class citizens — the lowest-cost rail for recurring and B2B collection, native in every market we serve.

Explore Bank Debit →
⚡

Pay by Bank

Instant, irrevocable, chargeback-free open banking payments — activated from inside your dashboard. Rolling out now.

Explore Pay by Bank →
🧾

Invoicing

A full VAT/tax invoice builder that raises its own pay link — card or bank debit. Native, unlimited, and free. Not 0.4% of every invoice.

Explore Invoicing →
🔁

Billing

One-off, recurring, subscriptions, memberships and instalment plans — any schedule, any rail, from one wizard. No product catalogue required.

Explore Billing →
🖥️

Checkout

A one-line embed that opens in-page. Your customer never leaves your site — no redirect, no "powered by" detour.

Explore Checkout →
📟

Terminal

Verifone smart terminals and SoftPOS. Same rates, same dashboard, same settlement as online.

Explore Terminal →
💼

Card on File

Tokenised cards for repeat charging — auto-charge invoices, subscriptions and instalments without re-entering details.

Explore Card on File →
For platforms
🚀

Onboarding

One application that quietly completes the card and bank-debit regulatory onboardings. API or hosted flow — instant bank payments activate in-platform after go-live.

Explore Onboarding →
Why switch

Same developer experience.
Different side of the table.

01

Your payouts never freeze.

Stripe signs you up in minutes, then risk-reviews you when the money gets real — that's why the internet is full of "funds on hold" horror stories. Quadriel underwrites you properly, up front, on acquirer-grade rails. Once you're live, you're live.

02

Every rail is native.

Cards, bank debit and open banking in one contract, one settlement, one dashboard. Not a card processor with bank debit bolted on — every rail is first-class, so you route each payment to the cheapest one that clears.

03

The checkout stays on your site.

One line of code opens payment in-page. No redirect to a hosted domain, no drop-off at the handover, no rebuilding Elements from scratch to avoid it.

QuadrielStripe
Invoicing✓Native builder, unlimited, free0.4–0.5% of every paid invoice
Checkout✓In-page pop-over, one-line embedRedirect to hosted page, or build Elements yourself
Bank debit✓Bacs · ACH · PAD · BECS, first-class, one APICard-first; bank debit support varies by market
Underwriting✓Up front — no later freezes or reserve surprisesInstant signup, risk review later; holds happen at scale
Recurring✓Any schedule on any rail, no catalogue requiredPowerful, but built around a product catalogue and cards
Platform economics✓Wholesale buy rates — you keep the marginRevenue share on Stripe's terms

Stripe comparisons drawn from published Stripe pricing and documentation, July 2026. Stripe is a trademark of Stripe, Inc.

Checkout

One line of code.
Zero redirects.

Paste a single snippet anywhere — a button, a page, a link in bio. Checkout opens in-page, styled to your brand. Works for goods, services, subscriptions and donations.

<script src="https://js.quadriel.com/v1"
  data-product="prod_Xk29s"></script>
  • ✓Every rail in one sheet — customer picks card, bank debit or Pay by Bank; you get one settlement.
  • ✓Products defined once — price, one-time or recurring, then reused across links, invoices, QR codes and embeds.
  • ✓Try it for real — make a £1 donation to the Licensed Trade Charity → through the actual hosted checkout
Harbourline Studio£42.50
CardPay by BankDirect Debit
Cardholder name
4242 4242 4242 4242
12 / 28CVC
Pay £42.50
🔒 Opens in-page · your customer never leaves your site
INVOICEINV-2041 · due 30 Jul
Workshop materials£3,200.00
VAT 20%£640.00
Total£3,840.00
Pay by cardPay by Direct Debit
QR on the PDF · auto-reconciled on payment
Invoicing

Invoicing is free.
Yes, actually free.

0% per invoice · unlimited

A full tax-compliant invoice builder — line items, VAT, discounts, live PDF — that raises its own pay link on card or bank debit, with a QR code on the document. Stripe charges 0.4–0.5% of every paid invoice for theirs. Ours is part of the platform.

  • ✓Send or auto-charge — email a hosted pay page, or charge the mandate / card on file automatically.
  • ✓Reconciled for you — every invoice tracks from raised → paid → settled, and syncs to Xero and QuickBooks.
Quadriel for Platforms

Embed payments in your software.
Earn on every payment your customers take.

SaaS platforms and ISVs: your customers take payments inside your product — cards, Direct Debit, instant bank payments — and you earn a share of every transaction, paid monthly. Onboard them through our API, never build a payments team, and start integrating today. No partnership meetings.

Onboarding API & hosted flow

One application, prefilled from Companies House and business registries, that completes three regulatory onboardings — cards, bank debit, open banking. Your merchants sign up inside your product; real-time status flows back by webhook.

White-label everything

Checkout, invoices, pay pages, dashboards and statements in your brand, on your domain. Your merchants see you — we're the infrastructure.

Multi-market from day one

US, Canada, UK and Australia through one integration — with the scheme differences (ACH vs Bacs vs PAD vs BECS) abstracted away.

Proper underwriting, portfolio-grade

Acquirer-grade KYC/AML up front means your merchants don't get frozen at $50k volume — the failure mode that quietly kills platform payment programs elsewhere.

Buy rates, not revenue-share crumbs.

On Stripe you get a slice of their margin, on their terms. On Quadriel you buy at wholesale and set your own sell rate — the margin is yours, itemised transparently on every statement. This is how acquirers have priced partners for decades; now it comes with Stripe-class tooling.

Create a platform account →
Your merchant pays (sell rate)1.40% + 20p
Your Quadriel buy rate0.90% + 15p
Your margin, every transaction0.50% + 5p
Illustrative bank-debit example. You set the sell rate.
Developers

Build first.
Talk to no one.

Test keys the moment you sign up. A sandbox that behaves like production — including simulated mandates, settlement and webhooks. Ship, then flip one flag to go live.

  • ✓Instant test mode — no approval needed to start building
  • ✓One payment object across cards, bank debit and open banking
  • ✓Webhooks for every state change, including onboarding status
  • ✓Hosted flows for everything if you'd rather not build at all
Read the docs → 

      

    

  






  

    

      
Getting started

      
Live in days. Not quarters.

      
One signup covers every payment method. No sales process, no integration project, no procurement cycle — unless you want one.

    

    

      
1
Tell us about your business
Company lookup prefills your application from the registry — Companies House, EIN, ABN or BN. Ten minutes, once.

      
2
One application, cards + Direct Debit
Behind one form we complete the separate regulatory onboardings for card acquiring and bank debit. You never see the seams — and instant bank payments can be switched on from inside your dashboard once you’re live.

      
3
Underwritten, then live
Real underwriting by the world's largest acquirer — typically within days. Build in test mode while you wait; flip to live the moment you're approved.

    

    

      ✓
      Why we underwrite first: instant-approval providers review you later — usually the week your volume spikes, which is how payouts end up frozen. We do the work up front so it never happens to you. That's the acquirer difference.
    

  






  

    

      
Pricing

      
Every rate on the page.
No call required.

      
Pay as you go. No setup fees, no monthly minimums, no hidden charges — and no surcharge on high-value transactions.

    

    

      
      
      
      
    

    

      

      

    

    

      Processing over £1m / $1m a year?
      IC+ pricing, volume discounts and multi-product rates — scoped from your live data, not a discovery call.
      Get a custom quote →
    

  






  

    
Questions
Frequently asked

    

      
How quickly can I go live?
Signup takes about ten minutes with registry prefill. Underwriting typically completes within days — and you can build and test the full integration in sandbox from the moment you sign up. Card payments settle next day once live.

      
Will my payouts ever be held or frozen?
This is the reason Quadriel underwrites up front. Instant-approval providers defer risk review until you're processing serious volume — that's when accounts freeze. Because the world's largest acquirer underwrites you before you go live, your risk profile is settled on day one.

      
Do I need a developer?
No. Payment links, invoicing, QR codes, hosted checkout and terminals all work with zero code. The one-line embed needs about thirty seconds of copy-paste. The full API is there when you want it.

      
Which countries and payment methods are supported?
The UK today: cards online and in person, Bacs Direct Debit, and Pay by Bank rolling out as an in-platform activation. The US, Canada and Australia are coming soon on the same integration — join the waitlist from the signup page.

      
How do platforms make money on Quadriel?
You buy at wholesale rates and set your own sell rates to your merchants — the margin is yours and appears itemised on your statement. There's no forced revenue-share schedule. Onboarding, KYC and settlement are handled by us on acquirer rails.

      
Who is behind Quadriel?
Quadriel runs on the rails of Global Payments — the world's largest merchant acquirer, clearing roughly $3.7 trillion a year across 175+ countries. We're the modern platform on top of the most proven rails in the industry.

    

  






  

    
    
    

  

  

    
Get started

    
The rails are already built.
Your part takes ten minutes.

    
Merchants: start accepting every payment method today. Platforms: onboard your first merchant this week.

    

      Start now →
      Read the docs