Onboarding
Learn how to onboard merchants to your platform using Tapaya's SDK-driven KYB flow.
Before a merchant can process payments, they must complete a KYB (Know Your Business) onboarding. Tapaya verifies the merchant's identity and business details to comply with the regulatory requirements of payment processors and regional law.
SDK UI Flow
The recommended way to onboard a merchant is via the built-in SDK flow. The SDK presents a guided, multi-step form that collects all required information and submits it to Tapaya for verification — without you having to build or maintain any forms.
What the SDK handles:
- Collecting and validating business details (legal name, registration number, address, etc.)
- Accepting Terms & Conditions
- Submitting data to the payment processor
- Automatically adapting to regulatory changes
For implementation details, see Mobile SDK Integration — Onboarding.
Email Invitation
You can also onboard a merchant by inviting them directly from the Tapaya Platform. Enter the merchant's email address and Tapaya sends them an invitation with a secure link to complete onboarding — no SDK integration required on their side.
The merchant opens the link and completes the same guided KYB flow, then returns to your app once verified. This is useful for onboarding merchants ahead of app installation, or when you prefer a fully hosted flow.
Regardless of whether a merchant onboards through the SDK or an email invitation, their account follows the same verification lifecycle shown above.
Prefilling Known Data
If you already have some of the merchant's details, you can prefill the onboarding form to reduce friction. The merchant will only need to confirm or fill in what's missing.
Fields you can prefill include business type, country, legal name, registration number, VAT number, address, IBAN, and more. See the SDK integration docs for the full list per platform.
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 using the SDK's identity module and prompt them to re-submit if details are missing or rejected.