PAYMENTS & FINANCIAL PROCESSING
Add Any Gateway, Capture Payment at Shipment, and Audit Every Transaction
KIBO unifies multi-gateway processing, event-triggered payment captures, B2B purchase order credit limits, ranked multi-tender drawdowns, and automated audit trails across every sales channel.
Expiring Authorizations, Missing Payment Methods, and Fraud Put Revenue at Risk.
Outdated payment gateways, uncaptured authorizations, and rigid B2B credit limit checks lead to uncollectible shipments, chargeback costs, and lost buyers.
The Cost of Getting it Wrong.
Moving Money Across Channels Requires More Than a Basic Payment Gateway.
Expired Payment Authorizations
Long fulfillment windows cause card pre-authorizations to expire, which leads to re-authorization failures or uncollectible shipped goods.
Split-Shipment Settlement Errors
Payment processors fail to run partial captures as items ship from different locations, which delays final revenue recognition.
Static B2B Credit Limits
Purchase order payment methods need manual credit checks in back-office spreadsheets, which blocks valid buyer orders.
Opaque Financial Audit Trails
Finance teams can't see transaction state histories, so chargeback disputes and audit reconciliations take a long time.
Payments and Financial Processing Capabilities.
From the gateway adapter to the ledger entry.
An enterprise merchant deploys a custom payment gateway adapter built in Dev Center for regional European processors, and keeps tokenized checkout across all digital storefronts.
Multi-Gateway Extensibility, Tokenization & PCI Compliance
Gateways connect through pre-built integrations or custom adapters, and card data stays tokenized.
- Pre-built integrations with leading global payment gateways
- Custom gateway adapters can be built in Dev Center
- Secure tokenized card vaulting protects sensitive payment data
- Full PCI DSS compliance across all endpoints
Event-Triggered Payment Auto-Capture & Workflow Rules
Payment is captured when the order is placed or when a shipment reaches the state you choose.
- Flexible payment capture rules
- Capture can trigger when the order is placed
- Or auto-capture can tie to granular fulfillment events, such as Customer Picked Up, In Transit, or a set number of days post-dispatch
When a retail associate completes a store pickup order in the Fulfiller UI, KIBO automatically triggers the final credit card payment capture and issues the receipt immediately.
A commercial client submits a $20,000 order using PO #99482. KIBO validates that the order fits within the client's $100,000 credit limit and passes the PO number to downstream accounting systems.
Purchase Order Tenders & Live Credit Limit Tracking
A purchase order payment checks the account's credit limit and gives the credit back as invoices are settled.
- Native Purchase Order payment method
- Per-account credit limits and Net payment terms
- Real-time available-credit tracking
- PO details cascade automatically to downstream sales orders
- Credit balances replenish dynamically as invoices are settled
Ranked Multi-Payment & Gift Card Management
One order can be paid with several tender types, drawn down in the order you set.
- Processes multi-tender payments combining credit cards, gateway gift cards, internal store credit, and purchase orders
- Ranked drawdown rules govern the exact order of funds deduction during settlement
- The same rules govern refund distribution
A shopper places an order applying a $50 gift card and a credit card for the remaining balance. KIBO draws down the gift card first and authorizes the credit card for the remainder.
An order splits between two distribution centers. KIBO captures funds for the first two shipped items immediately and runs a second capture when the final backordered item dispatches.
Manual, Partial & Line-Item Payment Captures
Payment is captured in parts as shipped quantities and prices are confirmed.
- Capture all or part of an authorized payment amount as final shipped quantities or prices are confirmed
- Precise financial settlement for split orders from multiple warehouses or fulfillment nodes
Centralized Payment Lifecycle Audit Trail & Refunds
Every payment event is recorded, and refunds follow from the same record.
- Auditable transaction history records every authorization, capture, void, credit, and decline per transaction
- Powers automatic and manual full, partial, and line-item refunds
- Also supports goodwill appeasements and balance adjustments
A finance manager reviews a transaction audit log to verify authorization codes, capture timestamps, and partial refund history for a complex multi-shipment customer order.
An order split across multiple fulfillment nodes draws down store credit before charging a credit card, triggers payment captures as each shipment dispatches, and streams transaction events directly to the ERP ledger.
Payment Lifecycle Audit & Financial Reconciliation
The order's financial ledger flows to your accounting and ERP systems for reconciliation.
- A complete financial ledger sits behind every order
- Payment interactions are tracked in the order Transaction History, with a summarizing Refunds grid
- Automated settlement rules govern capture timing across granular shipment states
- Ranked multi-tender drawdowns dictate priority
- Every financial event streams automatically to downstream accounting and ERP endpoints
AI Financial Copilot & Guardrailed Refund Processing
A KIBO AI assistant turns refund and appeasement requests into a guided conversation, with a person approving.
- Embedded AI order and return assistance guides refund and appeasement handling
- Read-only financial lookups summarize order state, identify eligible items, and verify prior adjustments to prevent duplicate refunds
- Support workflows pre-fill administration screens for agent verification
- Human-in-the-loop oversight with strict permission guardrails
A customer requests a credit for a missing item. KIBO AI inspects the line-item transaction history, alerts the representative that a refund was already issued, and pre-fills a goodwill appeasement request for review.
These controls work together.
Extend gateway connections, automate settlement at dispatch, and enforce account credit limits, all under rules your business defines.
Proof Points.
FAQs
Automate Payment Settlement. Protect Financial Margins.
See how KIBO automates multi-gateway payment processing, event-triggered captures, B2B credit limits, and payment audit trails across B2C and B2B channels.