Implementation Guide

Integrations simplified

Implementation Guide

Information for partners who will integrate Fractal’s features into their apps.

This guide provides partners with all the information to set up, test, and launch Fractal integration as part of their application. This process includes four main phases:

1. Creating an SOW - Work with Fractal to create a Scope of Work describing your integration and identifying requirements across the Fractal Platform.
2. Sandbox Setup - In the Fractal Sandbox environment, you will define the settings and workflows utilized in the platform features of Fractal for your integration.
   • Merchant Boarding
   • Payment Acceptance
   • Fees and Billing
   • Funding
3. Testing and Migration - Once your sandbox application is set up, Fractal will help to test and migrate your implementation to the Fractal Production environment.
4. Merchant Support Features - Enabling Fractal Merchant Support features gives your merchants the ability to manage disputes and run reports.

The diagram below illustrates how the Payments Integration and Support features work together to provide the benefits of the Fractal platform:

---

Scope Of Work Creation

This resource outlines the Scope of Work requirements pre-Implementation.

All integrating Partners and software platforms work with the Fractal Solution Engineers and Sales Team to create a Scope of Work that describes what your integration will look like and the associated requirements across the Fractal Platform.

During Pre-Implementation, you will work with a Fractal Solution Engineer to fill in the Integration form. This page includes details about all of the information that you we will add to the form.

Table of Contents

• 1. Overview
• 2. Merchant Onboarding Details
• 3. Payment Workflow
• 4. Risk and Compliance
• 5. Funding/Disbursement
• 6. Partner Launch Timeline

Overview

Building a Scope of Work with our Prospect Platforms involves a discussion about Features and Risk Considerations and collects data on how our Clients hope to leverage the Fractal Platform across the 4 Merchant Support features related to Payment Facilitation:

• Merchant Boarding
• Payment Acceptance
• Fees, Billing, and Funding - tbd
• Merchant Support - tbd

Merchant Onboarding Details

Boarding Integration

Select your Merchant Boarding Integration. See the onboarding Integration Options table for an explanation of each option.

Boarding Integration Options	Note
Portal - TBD	Clients will be boarded via the Fractal portal.
Signup Form	Merchants will be boarded via an online signup form.
Full API Boarding	The Full Boarding API is a managed service allowing you complete flexibility in the creation of new merchant locations.
Bulk	Fractal will work with you to meet the necessary technical and underwriting requirements for bulk onboarding, simplifying the process of migrating your existing Merchants to Fractal from another platform.
Onboarding Webhooks	The onboarding webhooks provide you complete awareness around the merchant onboarding process.

Payment Workflow

Question	Note	Payment Methods
Please describe your ideal payment workflow:	Example: - Customer visits your website, selects products, clicks “pay now”. - The customer enters payment information to pay for the product. - Payment is approved, and the customer is given the option to save card details for future payments. - The product is dispatched.	- Tokenization & Recurring Payments - Direct Portal Payments & Quick Charge - Bridge Payments Custom Portal - Direct API Payments - Card Present Payments - eCommerce & Online Payments

Payment Integration Options	Note
Widgets	A suite of link and payment widgets that can be seamlessly embedded into your application.
Links	An iframe solution where the payment capture process will occur either within the iFrame or on a hosted page.
Fractal JS	An embeddable JavaScript tokenizer that encrypts card data, ensuring PCI compliance for your application.
Wallet	Provides merchants with a collection of card-on-file and billing-on-file solutions via API.
Charges Webhooks	A feature that allows the platform to receive real-time notifications when charges are captured on our hosted solutions.

Risk and Compliance

Disputes and Chargebacks

Question	Note
Portal Only	Disputes are managed via the portal
API Integration chargeback documents/responses	Disputes are managed by Partner/Client via API

Funding

Question	Note
Fractal Only	Funding is managed via Fractal only.
Next-Day Funding	Funding is available the next day.

Partner Launch Timeline

Projected Timeline

Question	Description
Implementation Kick-Off Call:	Date of the first implementation call
Anticipated Integration Target Start Date:	When do you expect to start the integration
Anticipated Integration Target Finish Date:	Expected date to finalize integration
Target Beta Onboarded:	Estimated Target Beta Onboarded Date
Target Full Launch:	Target full launch date