What is NeroConnect?
NeroPay provides partners with ready-made tools to offer directly to their merchants — removing the need to build infrastructure from scratch. These include:
- EPOS systems
- Terminal software and hardware
- Ongoing operational and compliance support
- Payment processing across all major card types and wallets
This is NeroPay's key advantage over building on platforms like Stripe, where partners would need to source or build these tools independently. NeroConnect's value is end-to-end readiness.
Key terms
| Term | Meaning |
|---|---|
| Platform | The white label company partnering with NeroPay — you |
| NeroPay | The white label provider and underlying infrastructure |
| Connected account | Your merchants — onboarded and managed through your platform |
Two partnership modes
Platforms joining NeroConnect must choose one of two operating modes. Each has a separate contract.
Connected mode
In Connected mode, NeroPay charges processing fees directly to each of your connected merchants. NeroPay pays commission to you on a monthly basis.
| Aspect | Detail |
|---|---|
| Fees charged to | Connected accounts (your merchants) |
| Fee type | Processing fee per transaction |
| Platform sets merchant fees? | No — pricing is set by NeroPay |
| Commission to platform | Monthly, paid by NeroPay |
| Dispute responsibility | NeroPay |
| Account suspension trigger | N/A |
| Contract | Separate contract required |
💡 Best for: Platforms that want lower operational complexity and are happy for NeroPay to manage pricing and fee structures.
Platform mode
In Platform mode, NeroPay charges the platform directly at a fixed tier based on monthly volume. You set your own fees for your merchants and keep full pricing autonomy.
| Aspect | Detail |
|---|---|
| Fees charged to | Platform directly |
| Fee type | Fixed tier based on monthly volume |
| Platform sets merchant fees? | Yes — full autonomy |
| Commission to platform | N/A — platform sets its own margin |
| Dispute responsibility | Platform (NeroPay not liable for platform-merchant disputes) |
| Account suspension trigger | Platform balance falls below £500 |
| Security limits | Fixed — cannot be changed by the platform (e.g. £1,000 cap on link payments) |
| Contract | Separate contract required |
⚠️ Account suspension: If your platform balance falls below £500, connected-account dashboard access and fund actions are paused until you top up. New accounts can still be added.
💡 Best for: Platforms that want full control over pricing and margins and are prepared to take on greater operational responsibility.
Side-by-side comparison
| Connected mode | Platform mode | |
|---|---|---|
| Fee charged to | Merchants | Platform |
| Platform sets fees | No | Yes |
| Commission | Monthly from NeroPay | Platform sets own margin |
| Dispute responsibility | NeroPay | Platform |
| Suspension trigger | None | Balance below £500 |
| Security limit changes | N/A | Not allowed |
| Contract | Separate | Separate |
Shared requirements — both modes
Regardless of which mode you operate under, the following apply to all NeroConnect platform partners:
- Monthly compliance check — required to monitor for fraud and ensure regulatory standards are met
- Monthly volume statement — or a 2-year business plan must be submitted
- Downgrade policy — if a Platform mode account's monthly volume falls below the minimum threshold, NeroPay will downgrade the account to partner tier
Why partner with NeroPay?
| NeroPay | Building independently |
|---|---|
| Ready-made EPOS and terminal tools | Must source or build independently |
| End-to-end compliance and KYC support | Must manage independently |
| Operational support included | Must build own support infrastructure |
| White-label branding out of the box | Requires custom development |
Frequently asked questions
Q: Which mode is right for my business? A: Connected mode suits platforms that want simplicity — NeroPay handles fees and compliance. Platform mode suits partners that want full pricing control and are comfortable taking on more operational responsibility.
Q: Can I switch between modes? A: Each mode requires a separate contract. Contact NeroPay to discuss switching — it is not a self-service change.
Q: What happens if my monthly volume falls below the threshold in Platform mode? A: NeroPay will downgrade your account to partner tier. Contact your NeroPay account manager to discuss the current volume thresholds.
Q: Who handles disputes between me and my merchants in Platform mode? A: NeroPay does not accept liability for disputes between a platform and its connected merchants in Platform mode. The platform is responsible for managing these.
Q: Do my merchants go through KYC with NeroPay or with me? A: KYC and account status are always controlled by NeroPay, regardless of which mode you operate under.
Still need help? Contact us at support@neropay.app or create a ticket