Onboarding
Learn about the available ways to onboard merchants with Tapaya.
Before a merchant can process payments, they must complete KYB (Know Your Business) onboarding. Tapaya verifies the merchant's identity and business details to meet payment processor and regional regulatory requirements.
Choose an Onboarding Flow
Choose the flow based on who should enter the merchant's details and how you want to distribute onboarding. Every flow is available from the Tapaya Platform UI. If you want to automate it, use the corresponding API described in the API Integration guide.
Tapaya Platform UI
An administrator enters the merchant's information and completes onboarding on their behalf in the Tapaya Platform. This is suitable for assisted onboarding, smaller merchant portfolios, or cases where your operations team already has the required information.
How to start it: Create or select the merchant in the Tapaya Platform and open their onboarding. The same flow can be initiated through the API when you need automation.
In the sidebar, expand Payments and open Merchants. Go to the Add a merchant section. On the Add a merchant manually card, select Start onboarding.
The Platform opens the guided onboarding form with the required business, banking, and ownership sections.
Verification Status
After the merchant submits the form, their account enters a review state. The payment processor reviews the submission; this typically completes within minutes but may take longer in some cases.
A merchant will not be able to process transactions until their account is verified. You can check their status at any time in the Tapaya Platform UI. Integrations can also use the SDK identity module or API and prompt the merchant to resubmit if details are missing or rejected.