Trust Payments - Merchant Onboarding for Partners

Built for speed. Engineered for accuracy.

One platform that keeps applications moving and data clean, so nothing stalls in review.

Streamlined onboarding flow

A guided, step-by-step application that merchants actually finish. Smart defaults, clear progress, and no dead ends, from business details to signature in one sitting.

Data consistency, integrity & quality

Validation at the point of entry, enrichment from registry data, and a single source of truth. Applications arrive complete and correct, the first time.

Underwriting checks at every step

KYC, KYB, sanctions and credit checks run automatically as each step completes, not after submission. Issues surface early, while the merchant is still engaged.

Full visibility for your team

A live portfolio view of every application: status, verification outcomes, pipeline value and referrals, so you always know where each merchant stands.

The onboarding flow

From application to approval, checks run as merchants go.

Every completed step triggers the relevant underwriting checks in the background. By the time a merchant signs, most of the work is already done.

The merchant journey

Onboarding step navigation: business info, services, banking details, review, confirming details, sign application

1

Select products & services

Merchants pick exactly how they want to take payments, in-person, tap to pay, online or virtual terminal.

Product selection step: in-person payments, tap to pay, website, virtual terminal, APMs

2

Configure merchant pricing

Blended or IC++, saved reusable schedules, card-scheme fees down to the BPS, set once, apply everywhere.

Merchant pricing schedule with card processing fees per scheme and card type

3

Verification runs automatically

ID, business and related checks fire the moment details are confirmed, no queue, no waiting for a reviewer to pick it up.

Automatic verification step showing completed ID, business and related checks

4

Documents, only when needed

Targeted requests for exactly what underwriting requires, nothing more.

Supporting documentation request with required and optional documents

5

Sign & submit

E-signature in the flow, or sent by email, the contract closes the loop.

Contract e-signature step with sign and submit application

Portfolio management

Every application, at a glance.

One live view of your entire pipeline, status, risk rating, estimated volume and progress for every merchant. Filter, drill in, or start a new application in a click.

Merchant applications list with created date, country, services, estimated volume, risk rating and status for each application

Live status & progress

See exactly how far each merchant has got, and who needs a nudge.

Risk ratings up front

Every application carries a live risk rating from the Risk Engine, so there are no surprises at decision time.

Pipeline value in view

Estimated volumes per merchant roll up to your portfolio, so you can prioritise what moves the needle.

The Risk Engine

Underwriting that works alongside your acquiring team.

The Trust Payments Risk Engine augments the acquiring underwriting team, automating routine checks and packaging clean, decision-ready cases so human reviewers only see what genuinely needs their judgement.

Faster decisions

Checks complete during the application, not after it, clean cases are approved straight through.
Minimal friction for merchants

Merchants are asked for extra information only when a check requires it, and only for that.
Fewer manual touchpoints

Routine KYC, KYB and sanctions screening is fully automated; referrals arrive triaged with full context attached.

Identity confirmation via secure QR code, part of the automated Risk Engine checks

Merchant onboarding without the friction.