Payment Processing

Payment Processing

Payment processing is the backbone of e-commerce and affiliate marketing, enabling seamless transactions between customers, merchants, and affiliates. LinkJolt specifically supports Stripe and Paddle for merchant payment processing, with Stripe Connect handling all affiliate commission payouts.

LinkJolt's Payment Processing Stack

Supported Payment Processors

LinkJolt integrates with two leading payment processors:

• Stripe: Primary payment processor with comprehensive features
• Paddle: Specialized for software and digital products

Affiliate Payout System

• Stripe Connect: Exclusive payout system for all affiliate commissions
• Direct bank transfers: Seamless payouts to affiliate accounts
• Global coverage: Support for affiliates in 45+ countries

Payment Processing Ecosystem

Key Players

• Customers (cardholders)
• Merchants (using Stripe or Paddle)
• LinkJolt (affiliate platform)
• Stripe Connect (affiliate payouts)
• Affiliates (marketers)

Transaction Flow with LinkJolt

1. Customer initiates payment on merchant site
2. Stripe or Paddle processes the transaction
3. LinkJolt tracks the conversion via affiliate links
4. Commission calculated in real-time
5. Stripe Connect handles affiliate payouts
6. Funds transferred directly to affiliate accounts

Stripe Integration

Why Stripe for LinkJolt?

• Comprehensive API for seamless integration
• Stripe Connect built for marketplace payouts
• Global coverage for international affiliates
• Advanced fraud protection
• Real-time reporting and analytics

Stripe Features

• Credit and debit card processing
• Digital wallets (Apple Pay, Google Pay)
• Bank transfers and ACH
• International payments with currency conversion
• Subscription billing for recurring services

Stripe Connect Benefits

• Direct payouts to affiliate bank accounts
• Automated compliance handling
• Real-time payment processing
• Detailed transaction reporting
• Built-in fraud protection

Paddle Integration

Why Paddle for SaaS Merchants?

• Tax compliance handled automatically
• Global tax calculations
• VAT handling for EU customers
• Simplified billing for software businesses
• Revenue recognition support

Paddle Features

• Checkout optimization for conversions
• Global tax management
• Subscription management
• Revenue recovery tools
• Analytics and reporting

Paddle + LinkJolt Benefits

• Seamless tracking of affiliate conversions
• Automated commission calculations
• Global compliance for international sales
• Optimized checkout for better conversion rates

Commission Processing Flow

Real-Time Tracking

1. Customer clicks affiliate link
2. LinkJolt tracks the referral
3. Purchase completed via Stripe/Paddle
4. Commission calculated instantly
5. Payout scheduled via Stripe Connect

Payout Processing

• Automatic calculations based on commission structures
• Real-time balance updates
• Scheduled payouts (weekly/monthly)
• Direct bank transfers worldwide
• Instant notifications to affiliates

Security and Compliance

PCI DSS Compliance

• Stripe and Paddle handle all compliance requirements
• LinkJolt never stores payment data
• Secure tokenization for all transactions
• Regular security audits and monitoring

Fraud Prevention

• Machine learning detection by Stripe/Paddle
• Real-time risk assessment
• Velocity checking and pattern analysis
• Affiliate quality monitoring by LinkJolt

Global Compliance

• GDPR compliance for EU customers
• International tax handling via Paddle
• KYC/AML requirements managed automatically
• Multi-jurisdiction regulatory compliance

Payment Methods Supported

Via Stripe

• Credit cards: Visa, Mastercard, Amex, Discover
• Digital wallets: Apple Pay, Google Pay, Microsoft Pay
• Bank transfers: ACH (US), SEPA (EU), Bacs (UK)
• Buy now, pay later: Afterpay, Klarna
• Local methods: Alipay, WeChat Pay, Bancontact

Via Paddle

• Credit cards: All major cards globally
• PayPal: Integrated checkout
• Apple Pay: Optimized for mobile
• Bank transfers: Region-specific options
• Local payments: Country-specific methods

LinkJolt Platform Benefits

For Merchants

• Dual processor support for optimal coverage
• Automatic affiliate tracking
• Real-time commission calculations
• Comprehensive reporting and analytics
• Global payment acceptance

For Affiliates

• Stripe Connect payouts only - no account setup complexity
• Direct bank transfers worldwide
• Real-time earning tracking
• Automated payments processing
• Professional payment infrastructure

For Customers

• Optimized checkout experiences
• Multiple payment options
• Secure transaction processing
• Global currency support
• Mobile-optimized payments

Integration Benefits

Seamless Setup

• One-click integration for merchants
• Automatic tracking setup
• Real-time synchronization
• Instant affiliate onboarding

Scalability

• Handle millions of transactions
• Support thousands of affiliates
• Global expansion ready
• Enterprise-grade reliability

Analytics and Reporting

• Real-time dashboards
• Commission tracking
• Payment analytics
• Performance metrics
• Financial reporting

Getting Started with LinkJolt

For Merchants

1. Connect your Stripe or Paddle account
2. Set commission structures
3. Launch affiliate program
4. Start tracking conversions
5. Automated payouts begin

For Affiliates

1. Join LinkJolt platform
2. Complete Stripe Connect onboarding
3. Get approved for programs
4. Start promoting products
5. Receive automatic payouts

LinkJolt's payment processing infrastructure ensures reliable, secure, and efficient handling of both customer payments and affiliate commissions.

Start Your Affiliate Journey →