Launch integrated payment experiences without building acquiring relationships, managing certifications or maintaining multiple terminal integrations.
Technology partnerships
We believe every company should focus on its core.
Your customers choose you because of your software, your service and your expertise, not because of your payment infrastructure.
That's why Core exists.
We take ownership of the payment complexity — acquiring, hardware, compliance, orchestration, settlement and payment operations — so our partners can focus on building exceptional products and experiences.
When each party focuses on what they do best, merchants receive more value, innovation happens faster and everyone scales more effectively.
You focus on your core. We'll focus on ours.
Built to grow together
Access terminals, payment acceptance, reporting, tokenisation, digital receipts and future embedded finance capabilities through a unified platform.
We manage payment infrastructure, terminal estate complexity, settlement workflows and payment operations so your team can focus on product development.
Deploy across merchants, locations and markets without redesigning your payment architecture as your business grows.
Partnerships
Shared commercial opportunity
New revenue streams and long-term alignment for platforms building on Core.
Embedded payments
Offer fully integrated payment acceptance within your platform, creating a seamless merchant experience and unlocking new recurring revenue streams.
Terminal estate opportunities
Provide merchants with modern payment devices and connected experiences without becoming a hardware or payment specialist.
Data and intelligence services
Surface transaction insights, reporting and payment intelligence directly within your platform, increasing platform value and customer retention.
Future embedded finance capabilities
Build on a foundation designed to support lending, payouts, merchant services and other financial products as your platform evolves.
Long-term strategic alignment
We succeed when our partners grow. Our model is designed around long-term collaboration rather than one-off integrations.
CoreMatrix platform
Integrate with CoreMatrix, not the terminal.
CoreMatrix is Core Payments' cloud-based Layer 4 payment application, designed to sit above the Layer 3 payment app running on the payment terminal. POS platforms send the payment intent to CoreMatrix. CoreMatrix sends it to the terminal and returns the result in real time.
POS / ISV
Payment intent
↓ cloud
Layer 4
CoreMatrix orchestration
↓ command
Terminal · L3
Secure card-present capture
CoreMatrix manages payment intent, transaction state, reporting, receipts, token handling and partner APIs while the terminal handles the secure card-present flow.
POS partners integrate with CoreMatrix, not every terminal model, local device SDK or payment app. One clean cloud layer abstracts the terminal estate.
The terminal captures the card-present payment and keeps sensitive card data encrypted from point of capture while CoreMatrix controls the command layer.
Authorisation results, transaction status and settlement information can be surfaced in real time across stores, terminals and channels.
Deliver digital receipts with merchant branding, order references, store details and customer messaging built into the payment journey.
All sorts of tokens for modern POS integrations: card-on-file, customer, network, wallet DPAN, transaction, loyalty, gift-card, device, merchant and store tokens.
Layer 5 terminal apps
When the POS runs on the payment terminal.
CoreMatrix also supports a terminal-first model where the POS or ISV application runs directly on the smart payment terminal. The terminal becomes the service point, order screen and checkout surface.
Layer 5 is the partner app experience on the terminal. Layer 4 is CoreMatrix in the cloud. Layer 3 is the secure payment app handling the card-present transaction.
L5
POS / ISV appRuns on the smart terminal for table service, counter checkout, ordering, basket and customer interaction.
L4
CoreMatrix cloudReceives payment intent, controls orchestration, returns results, tokens, receipts and settlement data.
L3
Terminal payment appHandles the secure card-present payment flow in a P2PE-enabled environment.
Token Universe
Multiple token types. One orchestration layer.
CoreMatrixToken fabric
Customer Tokens
Wallet DPANs
Network Tokens
Card-on-file
Merchant Tokens
Transaction Tokens
Device Tokens
Loyalty Tokens
Merchant TokensBrand, store and channel context
Transaction TokensRefunds, voids and references
Device TokensTerminal and store IDs
Loyalty TokensRewards and gift cards
Customer TokensProfiles and permissions
Wallet DPANsApple Pay / Google Pay
Network TokensScheme-backed credentials
Card-on-fileRepeat purchase tokens
The best partnerships are not supplier relationships. They're growth relationships.
Core is designed to help technology partners launch faster, create more value for merchants and unlock new commercial opportunities without taking on the complexity of building payment infrastructure themselves.