When a software company embeds your payments, lending or card product, the contract has to sit cleanly on top of your bank program agreement. We draft distribution, platform and merchant agreements that pass through the right obligations without taking on risk your bank already assigned to you. Every engagement is a flat fee, quoted before we start.
At a glance
- Practice
- Fintech
- Pricing
- Flat fee, quoted before we start
- Included
- 6 deliverables
- Process
- 3 steps, one named attorney
- Where we work
- Slack, email or a call
When founders call us
The moments that usually bring a company to us for this work.
- 01
A vertical SaaS company wants to embed your payments or card product for its customers
- 02
You are onboarding sub-merchants or platform users and need terms that match your processor agreement
- 03
A distribution partner is asking for a revenue share on interchange or transaction fees
- 04
You are launching an API product and need developer and platform terms
What you get
Scoped in writing before we start. One flat fee for all of it.
- Platform or embedded finance partner agreement
- End-user or merchant terms that flow down required bank and processor provisions
- Revenue share and fee schedule mechanics, including interchange share where applicable
- Marketing review and branding provisions consistent with bank approval requirements
- Liability, indemnity and loss allocation across you, the partner and end users
- Developer or API terms if partners integrate directly
How it works
- 1
Read the upstream paper
We start from your bank and processor agreements so nothing downstream conflicts.
- 2
Draft the stack
We prepare the partner agreement and end-user terms as a matched set.
- 3
Negotiate and finalize
We handle partner comments and deliver templates you can reuse for later partners.
Mistakes we help you avoid
The ones we see most often, and catch before they cost you.
- Avoided
Promising a partner exclusivity or marketing freedom your sponsor bank has not approved
- Avoided
Sharing revenue on fees your bank agreement restricts you from splitting
- Avoided
Writing end-user terms that omit disclosures or provisions your bank requires to be passed through
- Avoided
Absorbing all fraud and chargeback losses from a partner's users with no recourse
Commercial & Platform Agreements: questions founders ask
It usually means three layers: a bank, a fintech that runs the program, and a software platform that offers the product to its own users. Each layer has its own agreement, and obligations have to line up across them. Most problems come from gaps or conflicts between those layers.
Often yes, but your bank program agreement and card network rules may set conditions on how revenue is shared and described. The answer depends on your specific agreements. We check those terms before drafting the revenue share.
Many banks require approval of partners that market or distribute the program, and some review partner marketing materials. The requirement comes from your program agreement and the bank's policies. We build those approval steps into the partner contract.
Yes. Most fintechs sign many similar partner deals, so we draft the first one with reuse in mind. You get a template and a short guide to which terms can flex in negotiation.
Get a flat-fee quote for Commercial & Platform Agreements.
A short call with an attorney. You leave with a written scope and one fixed price.
Book a call