Streamline Your Merchant Onboarding Process

Streamline Your Merchant Onboarding Process—One Platform for Both Merchant Acquiring & Business Banking

Take the next step forward with Qualpay!

With our Dynamic and Flexible Boarding Module, you gain complete control over your application, underwriting, and onboarding workflows—all within a single, unified platform. Whether you're onboarding for credit card acceptance, ACH, or business banking, Qualpay delivers powerful tools to manage the entire process seamlessly.

Our next-generation onboarding experience is designed to empower PayFacs, ISOs, and sponsor banks with a customizable and scalable solution. The Qualpay Boarding Module not only streamlines merchant acquiring but also provides the infrastructure to open business banking accounts—all in one flow.

And we don't stop there—Qualpay also supports a fully integrated partner onboarding process. Whether you're onboarding referral partners, ISOs, or agents, our platform enables you to configure unique application templates, assign roles, manage access, and track progress. All partner activity is seamlessly connected to your sales channels, ensuring alignment between your merchant pipeline and partner ecosystem.

As part of our purpose-built platform suite, the Qualpay Onboarding Module supports everything you need to acquire and manage both merchants and partners efficiently—reducing friction, improving approval rates, and accelerating time to revenue.

Transform Your Onboarding Experience: Empowering Control, Streamlined Workflows, and Enhanced Approval Rates

Our onboarding module is designed to give you complete control over customizing application workflows, integrating third-party vendors for data validation, and streamlining decision-making. The result is faster, more accurate decisions—and a more efficient, transparent onboarding process.

With full audit capabilities and real-time application tracking, you can confidently manage and enforce your credit policy while supporting both merchant and partner onboarding at scale.

As part of the next generation of application and underwriting in the market, this module replaces rigid, manually driven processes and disconnected technologies with a unified, dynamic experience. It brings the underwriting function to life—automating routine tasks, enabling real-time collaboration, and delivering full visibility across the onboarding lifecycle. The outcome: a platform that not only enforces policy, but accelerates it—empowering your teams to work faster, smarter, and with greater confidence.

How our Onboarding module works

Bringing flexibility, control, and transparency to your onboarding—whether for merchants or partners, and whether for credit card, ACH, or banking services.

Step 1: Create a flexible online application to manage your merchant and partner onboarding.

Build your application form—or forms—to suit your onboarding needs. Each form you create becomes a reusable template that brings flexibility and control to your application: whether it is for merchants applying for credit card and/or ACH payment services, or a new partner signing up.

Templates are linked to specific sales channels, which define the applicable terms and conditions, required documentation, pricing, and product offerings. These sales channels correspond to your partners and market segments, allowing you to assign unique application experiences, pricing structures, and product configurations tailored to each segment.

Once an Online Application (OLA) is generated, users can complete it in a single session or gradually over time. All information entered is securely saved, and updates are reflected in real time throughout the process.

Both merchant and partner applications are accessible via the portal, API, or a direct link.

Step 2: Assessing the risk of the new merchant.

Our proprietary workflow engine, combined with configurable risk scorecards and evaluation models, will be used to assess key risk factors—including the merchant’s business model, financial health, and chargeback history. These tools enable consistent, data-driven decisions that help determine the legitimacy and alignment to the credit policy of each applicant.

The underwriting workflow is designed to reflect your credit policy in action, supporting automation where appropriate while enabling seamless collaboration with underwriters and concurrence when required.

Step 3: Creating the Onboarding Flow.

The workflow engine connects the application process to underwriting and seamlessly transitions approved accounts into the appropriate backend systems for boarding.

The flow is fully configurable—supporting automated decisioning, custom approval and decline messages, and personalized next-step emails. This ensures a smooth and consistent onboarding experience for both merchants and partners, aligned with your operational policies and communication standards.

Step 4: Set Up the Account and User Hierarchy

The final Onboarding step (or: in your onboarding flow) is configuring user access for your Operations and Partner teams. We do this by using a hierarchy structure, with roles and permissions, which allows you to organize transactions, accounts, and users by levels of authority, enabling more effective control and governance.

This setup ensures that each user or team has access only to the relevant reporting, features, and functionality available through the portals—based on their role and assigned permissions. It provides a scalable framework for managing access across complex partner and merchant relationships.

Step 5: What’s Left – Training and Enablement

Once your onboarding flow is configured, the final step is ensuring your internal teams and partners are trained and ready. We’ll provide comprehensive training to guide users through the application process, underwriting workflows, and portal functionality.

This step ensures that everyone involved—from sales to underwriters—understands how to navigate the system, interpret data, and support merchants effectively. Ongoing enablement resources and support channels are also available to reinforce learning and drive adoption.