Is Mallow a payment processor?
No, Mallow is a software platform, not a payment processor. Mallow provides the invoicing, eSignature, and payment interface, while established payment processors handle the actual transaction processing in the background.
Which payment processor does Mallow use?
Mallow currently partners with two payment processors: Fiserv and Sola. Your company's payment processing is handled by whichever processor was configured during setup:
Fiserv — uses CardConnect gateway for card processing and tokenization.
Sola — uses their Cardknox gateway APIs for card and ACH processing.
Your processor is configured at the company level and cannot be switched at runtime. If you're unsure which processor your account uses, contact [email protected].
New accounts are sent to Sola for approval
All new Mallow customers are set up for processing through Sola, and all current customers using a different processor will be migrated to Sola when their account is ready.
After Sola approves your account, complete your PCI compliance forms to start processing payments.
Why does Mallow use third-party payment processors?
Rather than building a proprietary processing system, Mallow deeply integrates with established processors to provide you with the highest level of financial security.
Enhanced Safety: Your funds and data are protected by bank-grade security that far exceeds standard software capabilities.
Specialization: This partnership allows Mallow to focus on building the best software tools for your business, while your payment processor focuses on what they do best: moving money securely.
Reliability: You benefit from the stability of established financial institutions with proven track records of processing billions in transactions annually.
How it works for you
You get the best of both worlds: you use Mallow's intuitive interface to manage your invoicing, contracts, and sales, while your payment processor works in the background to ensure every cent is processed and deposited safely.