BankCard International Group
For software vendors

Embed payments. Keep the revenue.

Acquiring, issuing, treasury, and stablecoin rails behind one API — so payments ships as a feature of your product instead of a project you run twice.

Read the docs →Talk to integrations
Why embed with us

One integration. Every rail.

Card present and card not present. ACH. Treasury accounts. Card issuing. Stablecoin in and out. One API surface, one ledger, one set of webhooks.

01

Embedded payments, native to your product.

Your customers never leave your interface. Onboarding, checkout, payouts, and statements render inside your product, under your brand.

  • REST + webhooks
  • Hosted fields (SAQ-A)
  • Multi-tenant onboarding
02

Four rails, one ledger.

Card present, card not present, ACH, and stablecoin land in the same ledger with one reconciliation and one set of webhooks.

  • Card · ACH · USDC · Wire
  • Unified ledger
  • Same dispute model
03

Onboarding that keeps deals moving.

Your customers get set up in days, with a written decision and a named contact on our side — so payments is never the reason a deal stalls in your pipeline.

  • Niche-vertical underwriting
  • Sponsor-bank relationships
  • Real underwriters
04

Issuing, payouts, treasury.

Issue cards, move money between accounts, and hold balances on the same API surface you already integrated.

  • Card issuance API
  • Instant payouts
  • FBO treasury accounts
The platform underneath

Everything your customers need, behind your brand.

  • One dashboard for payments, payouts, treasury, and statements — embed it or co-brand it.
  • Card, ACH, and stablecoin settle into a single ledger with one reconciliation.
  • Compliance, risk, and program management run underneath. You ship the product, we run the rails.
BIG unified transactions dashboard
Unified transactions
Stablecoin payouts, explained

What's actually different about on-chain money movement.

Traditional rails (ACH, wire, card networks) settle through intermediary banks and clear on business-day schedules. Stablecoin rails settle on public networks in minutes, every day of the year, with the audit trail baked into the protocol. We handle the on-ramp, the compliance, and the off-ramp — you get one API and the same merchant of record.

QuestionTraditional railsOn-chain settlement

Who settles the money

A chain of banks + a card network

A public ledger that anyone can read

How fast it lands

1–3 business days, depending on rail

Seconds, 24/7 — including weekends

What you pay for

Layered bank, card-network, and processor fees

A predictable network fee per transaction

Where the money sits

Bank-held funds, drawn against your account

Dollar-backed stablecoins, redeemable 1:1

What this means for your product: your merchants get the option of taking dollars that settle the same minute the customer taps confirm — without learning a new finance vocabulary, and without your team rebuilding reconciliation. Card / ACH / on-chain all land in the same ledger entry shape.

Settlement · split · networks

On-chain split, every network.

One transaction. Smart contract splits between platform and merchant on chain — settled on any supported network the customer chooses.

See the full flow

CUSTOMER

$100

USDC

SPLIT

on chain

smart contract

PLATFORM

$2.50

2.5%

MERCHANT

$97.50

97.5%

On
ETH
SOL
Base
Polygon
Arbitrum
Developer experience

Built for the engineers who'll actually integrate this.

Typed SDKs in JavaScript, Python, and Go. Sandbox accounts that mirror prod behavior. Webhook signing. Idempotency keys everywhere. Versioned APIs with deprecation windows that don't burn weekends.

payment.ts·@big/sdkNode · Python · PHP · Ruby
import { BIG } from '@big/sdk';
 
const big = new BIG('sk_live_...');
 
const payment = await big.payments.create({
  amount: 5000,
  currency: 'usd',
  method: 'stablecoin',
  merchant: 'merch_8x2k...',
});
Live · sandbox
Partner program

Revenue share, co-marketing, joint underwriting.

If your customers ARE the specialized merchants we already serve, we'd rather build the path with you than around you.

Read the docs →Talk to integrations
REST + webhooks

Idempotent endpoints, typed errors, signed webhook payloads.

SDKs

TypeScript, Python, Go — all built from the same OpenAPI spec.

Sandbox

Live sandbox with test cards, simulated ACH, and a hosted dashboard.

Postman

Importable collection of every endpoint, pre-wired with auth.

Trusted & Certified

PCI DSS
SOC 2
Instant Settlement
Global Acquiring
Tokenized
Build with us

Let's talk before you build the integration twice.

Twenty minutes on your integration shape and the categories you serve. We'll tell you what fits and what doesn't.

Talk to integrations →Read the docs