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Merchant Identification

Know every merchant before funds leave your platform.

Know every merchant before they issue invoices or collect via payment links: registry identifiers, beneficial owners where required, and whether the settlement IBAN belongs to the legal entity you onboarded.

Request a demo API docs
1 API Single contract for initiation & webhooks
Multi Provider routing by payer market
T+5 Merchant settlement in fiat or USDC

How it works

From API call to bank confirmation.

  1. 01

    Create collection

    POST amount, reference, and return URLs from your backend or invoice flow.

  2. 02

    Payer selects bank

    Hosted checkout lists institutions for the payer's country — no PAN on your domain.

  3. 03

    SCA at the ASPSP

    The payer authorises in their banking app; status propagates in real time.

  4. 04

    Webhook & settlement

    Normalised events land in your stack; liquidity settles on your configured schedule.

Verification

Legal entity + settlement account match.

Cross-check commercial register data, VAT numbers, and account verification signals so payouts never default to personal proxies or look-alike names. Escalation queues focus on the exceptions, not every application.

See checklist

Platforms

Built for marketplaces and PSPs.

Batch seller imports, webhook-driven status updates, and tiered KYB match how you scale geographically. Pair with Pay by bank so acceptance and payout risk use the same merchant record.

Pay by bank

Use cases

Merchant ID in the wild

01

Marketplaces

Seller onboarding

Automate the obvious; queue the suspicious.

02

PSPs

ISO & sub-merchant

Propagate verification state to risk and settlement.

03

Platforms

B2B invoicing

Confirm counterparties before enabling instant pay links.

Benefits

Safer growth

01

Fraud resistance

Catch shell merchants earlier.

02

Configurable tiers

Light vs enhanced due diligence per risk.

03

Webhook updates

React when status changes mid-lifecycle.

04

Batch onboard

CSV/API for large seller imports.

05

Data minimisation

Request only necessary attributes.

06

EU focus

Registers tuned for European legal forms.

Onboard the next thousand sellers safely.

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