> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noxpay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Noxpay as a Service

> White-label Noxpay's payment infrastructure and distribute it under your own brand.

Noxpay as a Service (NaaS) lets platforms, ERPs, and software houses embed PIX-to-stablecoin payment capabilities directly into their products — under their own brand, with their own revenue model, running on Noxpay's infrastructure.

You own the merchant relationship. We handle the infrastructure, compliance, and KYB.

## The opportunity

Your merchant base is already moving money — paying suppliers, receiving customer payments, managing cross-border flows. NaaS lets you become the financial layer they operate through, without having to build payment infrastructure or own compliance.

One API integration unlocks the full stack for your entire platform.

## How it works

<Steps>
  <Step title="Integrate once">
    Connect to Noxpay via the NaaS API. A single integration gives your platform access to the full infrastructure.
  </Step>

  <Step title="Onboard your merchants">
    Create sub-merchants under your master account. Each merchant operates independently with their own identity, KYB flow, and balance — all under your brand.
  </Step>

  <Step title="Your merchants transact">
    Sub-merchants accept PIX payments, receive stablecoins, and manage withdrawals — all flowing through your branded experience.
  </Step>

  <Step title="You earn on volume">
    Configure a revenue split for every transaction processed through your platform. You decide the split percentage per merchant.
  </Step>
</Steps>

## Key features

<CardGroup cols={2}>
  <Card title="Master/sub-merchant structure" icon="sitemap">
    Manage your entire merchant base from a single master account with full visibility and control.
  </Card>

  <Card title="White-label ready" icon="paintbrush">
    Your brand, your experience. Noxpay operates in the background. Customise display names, logos, and colours per merchant.
  </Card>

  <Card title="Full API access" icon="code">
    Build your own interfaces and workflows on top of our infrastructure. Create checkouts, manage wallets, and query splits programmatically.
  </Card>

  <Card title="KYB handled by Noxpay" icon="shield-check">
    Merchant onboarding and compliance are fully managed by Noxpay via our CAF integration. You focus on the relationship.
  </Card>

  <Card title="Split payments" icon="chart-pie">
    Earn on every transaction your merchants process. Splits are configurable per merchant and settled automatically.
  </Card>

  <Card title="Merchant dashboard" icon="gauge">
    Each sub-merchant gets their own transaction visibility and reporting — or build your own interfaces on top of our APIs.
  </Card>
</CardGroup>

## Built for

* **ERP software houses** — add payment capabilities to your ERP and offer clients a complete financial workflow inside your product.
* **Vertical SaaS platforms** — embed stablecoin payments into your industry-specific software and become the financial layer for your niche.
* **Accounting platforms** — give clients direct access to PIX-to-stablecoin flows integrated with their accounting workflows.

## Getting access

<Warning>
  Becoming a master merchant is a restricted programme. It requires additional documentation, legal agreements, and a commercial contract with Noxpay. Self-service sign-up is not available.

  **Contact your Noxpay sales representative** to apply for master merchant access.
</Warning>

Once approved, you will receive your master API key and public key registration instructions. From there, everything is done via the NaaS API.

## Next steps

<CardGroup cols={2}>
  <Card title="Authentication & Setup" href="/noxpay-docs-v2/api-reference/naas/setup" icon="key">
    How to generate your RSA key pair, sign requests, and verify webhooks.
  </Card>

  <Card title="Enroll Sub-merchant" href="/noxpay-docs-v2/api-reference/naas/enroll" icon="user-plus">
    Register your first sub-merchant and get the correlation\_id you'll use for all subsequent calls.
  </Card>
</CardGroup>