Platform & Payments as a Service

┌─────────────────────────────────────────┐
│         Your Platform/SaaS              │
│  ┌────────────┐      ┌────────────┐    │
│  │ Merchant A │      │ Merchant B │    │
│  │  Dashboard │      │  Dashboard │    │
│  └────────────┘      └────────────┘    │
│         │                   │           │
│         └───────────┬───────┘           │
│                     │                   │
│          ┌──────────▼──────────┐        │
│          │  Your API Backend   │        │
│          │  (Master Merchant)  │        │
│          └──────────┬──────────┘        │
└─────────────────────┼───────────────────┘
                      │
                      │ HTTPS/API
                      │
           ┌──────────▼──────────┐
           │   Ionic Gateway     │
           │   (Payment Service) │
           └─────────────────────┘

<script src="https://secure.ionicfi.com/token/Collect.js"
        data-tokenization-key="YOUR_TOKENIZATION_KEY"
        data-custom-css='{"border-color": "#yourcolor", "font-family": "Your Font"}'></script>

<form action="/process-payment" method="POST" id="payment-form">
  <input type="hidden" name="merchant_id" value="123" />

  <div id="ccnumber"></div>
  <div id="ccexp"></div>
  <div id="cvv"></div>

  <button type="submit">Process Payment</button>
</form>

async function processMarketplaceOrder(order) {
  const seller = await db.merchants.findById(order.sellerId);
  const platformFee = order.amount * 0.05; // 5% platform fee
  const sellerAmount = order.amount - platformFee;

  // Process full amount through Ionic
  const transaction = await ionic.charge({
    amount: order.amount,
    submerchant_id: seller.ionicSubMerchantId,
    submerchant_name: seller.businessName,
    // ... other submerchant fields
    orderid: order.id,
    orderdescription: `Order ${order.id} - ${seller.businessName}`
  });

  if (transaction.response === '1') {
    // Record split in your database
    await db.transactions.create({
      orderId: order.id,
      totalAmount: order.amount,
      sellerAmount: sellerAmount,
      platformFee: platformFee,
      sellerId: seller.id,
      ionicTransactionId: transaction.transactionid
    });

    // Update seller balance for future payout
    await db.merchants.incrementBalance(seller.id, sellerAmount);
  }

  return transaction;
}

// Middleware to identify current merchant context
function identifyMerchant(req, res, next) {
  // Extract from subdomain, JWT token, or session
  const subdomain = req.hostname.split('.')[0];
  const merchant = await db.merchants.findBySubdomain(subdomain);

  req.merchant = merchant;
  next();
}

// Payment processing route
app.post('/api/charge', identifyMerchant, async (req, res) => {
  const response = await ionic.charge({
    amount: req.body.amount,
    payment_token: req.body.token,

    // Automatically include merchant from context
    submerchant_id: req.merchant.ionicSubMerchantId,
    submerchant_name: req.merchant.businessName,
    submerchant_mcc: req.merchant.mcc,
    submerchant_address: req.merchant.address,
    submerchant_city: req.merchant.city,
    submerchant_state: req.merchant.state,
    submerchant_zip: req.merchant.zip,
    submerchant_country: req.merchant.country
  });

  res.json(response);
});

async function processFranchisePayment(locationId, paymentData) {
  const location = await db.locations.findById(locationId);
  const franchise = await db.franchises.findById(location.franchiseId);

  const transaction = await ionic.charge({
    amount: paymentData.amount,
    payment_token: paymentData.token,

    // Location-specific sub-merchant details
    submerchant_id: location.ionicSubMerchantId,
    submerchant_name: `${franchise.brandName} - ${location.name}`,
    submerchant_mcc: franchise.mcc,
    submerchant_address: location.address,
    submerchant_city: location.city,
    submerchant_state: location.state,
    submerchant_zip: location.zip,
    submerchant_country: location.country,

    // Custom tracking fields
    orderid: `${locationId}-${Date.now()}`,
    customer_receipt: true
  });

  // Update franchise-level and location-level analytics
  await analytics.recordSale({
    franchiseId: franchise.id,
    locationId: location.id,
    amount: paymentData.amount,
    transactionId: transaction.transactionid
  });

  return transaction;
}

const testMerchants = [
  {
    id: "test_merchant_1",
    ionicSubMerchantId: "TEST_SUB_001",
    businessName: "Test Coffee Shop",
    mcc: "5814",
    address: "123 Test St",
    city: "Portland",
    state: "OR",
    zip: "97201",
    country: "US"
  },
  {
    id: "test_merchant_2",
    ionicSubMerchantId: "TEST_SUB_002",
    businessName: "Test Retail Store",
    mcc: "5399",
    address: "456 Demo Ave",
    city: "Seattle",
    state: "WA",
    zip: "98101",
    country: "US"
  }
];

# Approved transaction
curl -X POST https://api.ionicfi.com/api/transact.php \
  -d "security_key=YOUR_TEST_KEY" \
  -d "type=sale" \
  -d "amount=10.00" \
  -d "ccnumber=4111111111111111" \
  -d "ccexp=1225" \
  -d "cvv=999" \
  -d "submerchant_id=TEST_SUB_001" \
  -d "submerchant_name=Test Coffee Shop" \
  -d "submerchant_mcc=5814" \
  -d "submerchant_city=Portland" \
  -d "submerchant_state=OR" \
  -d "submerchant_country=US"

# Declined transaction (amount triggers decline)
curl -X POST https://api.ionicfi.com/api/transact.php \
  -d "security_key=YOUR_TEST_KEY" \
  -d "type=sale" \
  -d "amount=50.00" \
  -d "ccnumber=4111111111111111" \
  # ... same submerchant fields