Build trust and loyalty
Assembly’s secure and fully compliant building blocks includes safety features like escrow, identify verifications, encryption, and secure card tokenization, giving your customers peace of mind right from the start.
Minimize running costs
With end-to-end functionality, comprehensive operations support and full indemnity against chargebacks, Assembly eliminates the hassle and expense of having to staff up with payment support teams, risk analysts, and anti-fraud experts.
Fast integration times
Get up and running as quickly as possible with Assembly’s rapid integration support features, like in-depth guides and documentation, pre-packaged payment workflows, and dedicated in-person support available to enterprise customers.
How it works
Build your payment workflow
Create your custom payment form, with multiple payment methods, using JS or iFrame to capture data securely and compliantly.
Pass through transaction data
Pass through all transaction data including the item to be exchanged, customer and merchant details, payment and disbursement methods, and sensitive payment details securely through our tokenised transport layer.
Assembly initiates payment
Assembly will attempt to charge the chosen payment method. Once successful, your platform will be notified via callback.
Assembly collects funds
To keep your platform compliant, funds arrive in the Assembly trust account. Here they are can be either disbursed instantly, or held in escrow until released.
Merchant receives funds
Disburse funds to single or multiple merchants either overnight or on a custom schedule of your choosing.
Using Assembly's rich feature set, build your ideal workflow to maximize conversions while avoiding regulatory headaches.
More ways to pay
Support a wide range of payment methods including credit cards, bank based transfers, or via digital wallets. All methods are fully interchangeable, allowing custom payment flows with a single integration.
Arm’s length compliance
Sidestep your regulatory compliance obligations altogether. While you control the workflow, fee structure and payout schedule, payments between users never touch your accounts, eliminating your compliance burden.
Quickly and easily intervene on your users’ behalf to resolve purchasing and payment issues by carrying out partial or full refunds on transactions.
Provide your business and users with simple, flexible and self managed refund capabilities – whether it’s a full, partial, still-in-escrow, or post-sale refund.
Easily set up a subscription-based service, where users are charged either a fixed or varying amount on a daily, weekly, monthly or yearly basis.
Deposits and top-ups
Enable your users to make upfront deposits or partial payments that are paid through immediately, or held in escrow until the final payment is made.
Funds bypass your account
Collect a fee without the transaction funds ever touching your account.
Easily set up staged payment schedules, allowing buyers to release payments incrementally over the course of a project as specific milestones are reached.
Build trust between buyers and sellers with Assembly’s streamlined escrow-like functionality. The purchase amount is held in a secure, independent vault and only released to the seller once product delivery has been confirmed.LEARN MORE
Custom billing descriptors
Make it easier for your users to identify transactions originating from your business or merchants by incorporating specific wording into the billing descriptor that appears on their credit card statement.
Configure complex transactions easily – from single or multiple buyers, merchants or brokers – to split payments and payouts in any combination you require.
With a wide variety of outbound payment endpoints and workflows accessible through Assembly’s flexible API, including bank transfers, digital wallets and more, it’s easy to ensure perfect convenience for merchants.
Perform mass payments at any scale or volume using the Assembly API or by uploading your batch payment instructions as an XYZ file.
Schedule remittances to your merchants’ nominated payout methods at pre-arranged time intervals – daily, weekly, monthly or however frequently you would prefer.
Multi party payouts
Easily disburse funds to multiple parties with a single API call after each sales transaction or as a batch payout.
Digital wallet payouts
Allow users to receive funds instantly via a white-labelled digital wallet attached to their account. Funds can be withdrawn to a bank account or used for future purchases.
Bank account payouts
Provide rapid-resolution bank account payout functionality to your merchants, with domestic remittances completing overnight, or in 2-4 business days internationally.
Digital walletsAssembly makes it easy to deploy hosted digital wallets that your customers can use to store funds for later withdrawal or to put toward purchases.
White labelled wallets
Facilitate high value purchases, encourage on-platform spending, and hold onto funds for longer by offering hosted digital wallets to allow for maximum control of payments through your business.
Sidestep all compliance, liability, reporting and access control requirements by integrating Assembly’s fully compliant hosted digital wallets.
Easy wallet management
Deploy Assembly’s API accessible digital wallets across your user base to facilitate purchasing, disbursing, balance management, or as a means of crediting users with loyalty or coupon benefits.
Use digital wallets to enable multiple users to contribute toward group purchases. Great for sporting and entertainment event ticketing, property rental payments, or anything else that involves ‘splitting the bill’.
Merchant onboardingFast track new customer sign-ups and get them transacting much sooner and with far less confusion by outsourcing your merchant approvals and onboarding to Assembly.
Spin up new accounts and get new merchants trading immediately by relying on Assembly’s adaptive underwriting. A perfect balance between security and convenience for your users.
Compliant ID verification
Spare yourself the responsibility of verifying merchant identities. Assembly will take care of satisfying all your merchant payment compliance needs right from the get-go.
Bank account verification
Accelerate your onboarding process with Assembly’s bank account verification service. New merchants provide either their online banking credentials, or simply report the value of a penny-credit deposit into their account.
Keep merchants on-site
Keep your users focused on the task at hand. With Assembly under the hood, users can carry out all transactions within a single, seamless payment workflow.
Make payment via a simple text messageWith Assembly's prepackaged workflow ‘Approve’™, you or your merchants can invoice customers and receive payment immediately simply by having them reply to an SMS text message once their billing details are on file.
Collect payments faster
Invoice users and collect payments at lightning speed with Assembly’s patented billing approvals technology. Customers simply reply ‘YES’ to an SMS text message to authorize immediate payment from their account.
Avoid chasing payments
Schedule automatic reminders to do the nagging for you and your merchants. With the ability to create custom reminder schedules and target users according to your own criteria, chasing down payments will be markedly less stressful.
Create a simpler way to pay
Spare users the hassle of entering their payment details every time they need to make a payment. Once Assembly has your customer’s credit card, debit card, or banking details stored, all future payments can be approved instantly.
Manage and monitor single or multiple payments as they occur with Assembly’s powerful payments dashboard, which lets you manage users and adjust your payout schedules and reconciling preferences easily.
Fast track notificationsCommunicating with your customers throughout the payment process can be difficult. Use Assembly's callbacks, scheduled reminders and pre-packaged communications to help them through your payments workflow.
Do away with polling and keep your customers up to date via email or text by utilizing Assembly’s extensive callback (webhook) capability
Boost conversions and encourage users to take action by creating automated reminder schedules set by you or your merchants.
Use Assembly’s prepackaged email communications, mapped to specific API calls and callbacks, to get you up and running faster, saving you time during the integration process.
Full control and flexibility over feesDecide who, when, how much, and how often to charge transaction fees. Assembly gives you maximum flexibility to design a fee structure that perfectly supports your business model.
Reliable fee collection
Quit chasing down fees. Assembly ensures that the correct fee is charged on every transaction, all within the transaction itself, to generate additional revenue from your users.
Easy fee management
Charge a flat fee, percentage-based fee, or a combination fee on transactions between your users, or on any transaction you like.
Customizable fee schedules
Create different fee schedules for different membership segments, so you can offer preferred pricing to power users or as an incentive for new users to sign up.
Fee-only business model
Operate as a ‘fee-only’ business by only collecting fees, and nothing else, to avoid the compliance issues associated with funds passing through your account.
Assembly’s dashboard and flexible reporting tools let you quickly understand a range of platform insights like real-time earnings, transaction velocity and historical trends, with multi-format data export for in-depth accounting and analytics.Learn more
Accept payments globally
Accept payments from international customers, wherever in the world they’re located (subject to additional international fees).
Remain fully compliant when disbursing payments to your international customers (subject to additional international fees).
Headquarter your business in any of Assembly’s supported countries to access the most powerful building blocks for payments available.