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Faster Merchant Onboarding for Payment Service Providers

Onboarding merchants faster shouldn’t mean taking on more risk. With the right verification and monitoring tools in place, you can easily do both – across every market you operate in.

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ISO 27001 certified
GDPR compliant
eIDAS/ETSI compliant
99,8% verification accuracy

Trusted by PSP Businesses Worldwid

What Ondato Offers

Business Onboarding (KYB)

  • Collect company, document, and representative details in one guided flow
  • Customize KYB forms to match your risk rules and policies
  • Pre-fill registry data to reduce friction and improve accuracy

Collect and verify business information remotely and move faster without relying on scattered emails, spreadsheets, or manual document checks.

Ultimate Beneficial Ownership (UBO)

  • Identify UBOs across complex ownership structures
  • Verify representatives with ID, liveness, and biometric checks
  • Reduce shell-company and hidden-ownership risk

See who really owns and controls the business before enabling payments.

AML Screening & Ongoing Monitoring

  • Screen businesses, representatives, and UBOs for AML risk
  • Configure rules around your merchant acceptance policy
  • Monitor ownership, company status, and risk changes

Apply continuous merchant risk control to detect sanctions exposure, PEP connections, adverse media, and changes in merchant risk over time.

Global Registry Data

  • Access company, shareholder, and representative data globally
  • Validate merchant information against registry sources
  • Support international onboarding with consistent KYB evidence

Make faster decisions using verified business data from official sources and business registry data.

Explore Business Verification

Merchants Onboarded in Hours, Not Days

Slow onboarding costs you revenue and gives good merchants a reason to look elsewhere. With verification, ownership checks, registry data, and AML screening handled in one flow, your team can approve trusted merchants faster and help them start processing sooner.

A Compliance Team Focused on What Matters

Your compliance team should not spend its best hours chasing documents, repeating registry checks, or reviewing low-risk cases. By reducing routine manual work, you free your team to focus on real risk, complex decisions, and higher-value merchant reviews.

Fraud Stopped at the Door

From shell companies to falsified documents and synthetic identities – fraudulent merchants often look legitimate at first glance. Apply layered ownership, document, and identity checks to spot hidden risks earlier and keep bad actors off your platform.

Consistent Compliance Across Every Market

Different countries, rules, registries, and entity types should not force you to rebuild your compliance process every time you expand. Configurable KYB flows help you enter new markets faster while keeping merchant checks consistent, traceable, and audit-ready.

Compliance That Scales with Merchant Growth

As merchant volume grows, your workload should not grow at the same pace. Automated KYB and ongoing checks help you handle more merchants, reduce operational bottlenecks, and scale compliance without adding unnecessary complexity.

Why Payment Service Providers Choose Ondato

30 sec.
average onboarding to help customers open accounts faster
99.8%
verification accuracy to reduce failed checks and manual reviews
97%
average pass rate to convert more legitimate users
192
country coverage for multi-market expansion
10,000+
supported document types for smoother global onboarding
15,000+
AML data sources for sanctions, PEP, and adverse media screening
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“Ondato helped us balance compliance requirements with customer onboarding experience through standardized verification flows and automated screening capabilities, which allowed us to maintain compliant onboarding processes while supporting a reasonably smooth client experience.”
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“By combining advanced verification methods like NFC and Video KYC with automated AML checks, Fintrust is now equipped with a system that meets today’s compliance demands and is ready to scale with tomorrow’s opportunities.”
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“Ondato and SME Bank is a mutually beneficial partnership that provides growth opportunities for both enterprises and helps achieve their individual goals. Ondato takes care of the technical user management side, allowing SME Bank to focus their effort on their priority targets.”
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“Ondato’s solution shortens and facilitates opening the account. Identity verification is performed by reading biometric data and using multi-stage checks, which span corroborating client data and documents in registers and databases.”
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Security That Protects Every Payment Relationship

For payment service providers, trust starts before the first transaction is processed. Ondato helps you protect merchant data, reduce onboarding and compliance risk, and verify businesses through security-first KYB and AML workflows aligned with recognized international standards.
See how Ondato protects your data

Choose the Integration Type That Fits Your Team

Start verifying users with a secure link, no development work required.
  • Share verification links by email, SMS, or in-app message
  • Capture documents and run biometric/liveness checks instantly
  • Launch quickly for pilots, manual reviews, or new-market testing
Embed verification directly into your web or mobile product.
  • Keep the user journey inside your own app or website
  • Use ready-made flows for document capture, biometrics, and liveness
  • Give mobile-first customers a smoother onboarding experience
Build a fully tailored verification flow around your product and compliance logic.
  • Control the onboarding journey from your own backend
  • Orchestrate identity checks, AML screening, and risk-based steps
  • Adapt workflows as markets, regulations, and risk rules evolve
Onboard More Trusted Merchants With Ondato
Give merchants a faster path from application to first transaction while your team verifies companies, owners, representatives, and risk in one compliant flow.
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FAQ

Merchant onboarding is the process payment service providers use to verify a business before allowing it to process payments. With Ondato, PSPs can automate Know Your Business (KYB) checks, company verification, Ultimate Beneficial Owner (UBO) discovery, representative verification, and Anti-Money Laundering (AML) screening in one guided flow.
Ondato helps payment service providers reduce manual work by automating business data collection, registry checks, ownership verification, document review, and AML screening. This allows compliance teams to approve trusted merchants faster and help them start processing payments sooner.
KYB helps payment service providers understand who they are doing business with before enabling payment processing. It supports compliance by verifying company information, identifying ultimate beneficial owners, checking representatives, and detecting risks such as shell companies, hidden ownership, or sanctioned entities.
Yes. Ondato supports global merchant onboarding with configurable KYB flows, access to business registry data, AML screening, and risk-based verification steps. This helps PSPs keep merchant checks consistent, traceable, and audit-ready across different countries, entity types, and regulatory requirements.
Ondato helps PSPs detect risky or fraudulent merchants before they enter the platform by combining company verification, registry data, UBO checks, document verification, liveness detection, and AML screening. Layered verification helps uncover fake documents, synthetic identities, shell companies, and hidden ownership structures earlier in the onboarding process.