Six teams. Six tools. One merchant on hold.
This is what onboarding a single merchant looks like before AI moves in.
Merchant onboarding, from application to approval
Upsonic helps fintech teams onboard merchants faster with AI agents that collect documents, read files, assess risks, contact merchants, and prepare each application for human review.
One agent. One screen. Minutes, not weeks.
The same six steps collapsed into a single agent running end-to-end while the team sleeps.
Bring agility to your FinTech
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“With Upsonic, our onboarding and settlement processes have become faster and easier to manage.”
İpek Alan
Sr. Operation Manager
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Upsonic started our AI-native transformation in operations, then expanded other department. With AI HQ, we now manage the entire FinTech from one intelligent platform.
Adem Aykın
CEO
Upsonic showed us what real agentic transformation looks like by turning every step of our business process into an AI-native workflow.
Talha Kılıç
Head of AI
How Upsonic merchant onboarding works
Capture every merchant application from the first step.
Merchants submit their company information and required documents through a guided form.
If they leave the form unfinished, AI agents follow up within 5 minutes to help complete the application.
AI agents check documents, ownership, and screening results.
AI agents read merchant documents, extract key information, compare details across files, and check merchants against screening lists.
Ownership information, including UBO details, is reviewed and cross-checked.
Missing, expired, or inconsistent documents are flagged before the file reaches the team.
Give your team a ready decision file.
Instead of reviewing scattered documents, teams receive one organized merchant file with document checks, risk signals, ownership review, missing items, and recommended next steps.
Your team stays in control and makes the final decision: approve, request more information, or reject.
Turn underwriting results into ready-to-review rate offers.
AI agents analyze merchant reputation, company revenue, and underwriting inputs to prepare structured rate offer files.
Your team reviews the output, makes the final decision, and sends offers faster.
Let the numbers do the talking.
Real onboarding economics, measured across live merchant portfolios.
7
min
to onboard a merchant
Average time for an AI agent to fully onboard one merchant.
30K+
merchants checked
Risk checks completed across live merchant portfolios.
<3
mo
to ROI
Fintechs recover their Upsonic investment in under 3 months.
2
hrs
saved per merchant
Time saved for your team on every onboarding.
Keep every merchant conversation in one timeline.
Upsonic brings merchant emails, WhatsApp messages, SMS updates, voice calls, document requests, and team reminders into one shared timeline.
AI agents send follow-ups, request missing documents, share secure upload links, and notify your team when the merchant file is updated.
Turn scattered merchant files into one source of truth.
Upsonic keeps every merchant document, AI check, risk signal, compliance review, approval record, and expiry date inside one merchant profile.
Your team tracks missing documents, upcoming expiries, approval history, and file status without searching across emails, folders, spreadsheets, or chat.
How much could you be saving with Upsonic?
Pick a country, salary level, and monthly volume — see your team versus Upsonic in real numbers.
Make every merchant document actionable.
Process documents in any language or format and turn them into data your workflows can act on.
Make merchant onboarding AI-native.
See how Upsonic AI agents collect documents, run checks, contact merchants and keep the full merchant lifecycle under control.
Frequently Asked Questions
Can Upsonic contact merchants?
Yes. Upsonic can send messages, reminders and document requests through channels like email, SMS, WhatsApp and voice.
Can Upsonic process local documents?
Yes. Upsonic can read local documents such as tax certificates, proof of address files, signature circulars and trade registry documents.
Can we connect Upsonic to our tools?
Yes. Upsonic can work with your internal systems, APIs, CRM, communication tools and document storage.
Can Upsonic run on-premise?
Yes. Upsonic can support private or on-premise deployments for fintechs and banks that need to keep data inside their own infrastructure.
Does Upsonic replace operations, risk or compliance teams?
No. Upsonic helps these teams work faster. AI agents prepare the information, highlight issues and complete repetitive steps. Your teams still control reviews, exceptions and final decisions.
Does Upsonic support Arabic language and Arabic documents?
Yes. Upsonic can process Arabic merchant documents and extract the key information needed for onboarding, risk and compliance workflows. It can also support market-specific document types used in Arabic-speaking countries.
Does Upsonic compare merchant documents with declared business information?
Yes. Upsonic agents can compare merchant-submitted information with extracted document data.
Can Upsonic run risk and compliance checks during onboarding?
Yes. Upsonic can support risk and compliance checks as part of the onboarding workflow. AI agents can help review merchant documents, identify missing or inconsistent information, support UBO checks, detect risk signals and prepare the file for risk or compliance team review.
Can Upsonic manage merchant communication during onboarding?
Yes. Upsonic can manage merchant communication through omnichannel workflows. AI agents can request missing documents, send reminders, share secure upload links, follow up with merchants and update the onboarding status when new information is received.
How long does the merchant onboarding process take with Upsonic?
Upsonic completes merchant onboarding in about 7 minutes. However, if any documents are missing, the process may take longer depending on how quickly your team collects them and gives approval. Either way, Upsonic gets merchants ready for review as fast as possible.
Can Upsonic automate onboarding for low-risk merchants?
Yes. Upsonic can automate onboarding for low-risk merchants. Upsonic can be configured around your own workflows, rules and risk appetite. This means you can decide which merchant risk levels should move automatically, which cases need human review.
Can Upsonic integrate with our existing CRM, AML, KYB tools and internal systems?
Yes. Upsonic can integrate with your existing CRM, AML, KYB tools and internal systems.
What makes Upsonic different from a traditional onboarding tool?
Upsonic is not only a form, OCR tool or checklist system. It turns merchant onboarding into an agentic workflow that covers document collection, checks, approvals, merchant communication, proposal sending and settlement tracking after the merchant goes live.
What is merchant onboarding?
Merchant onboarding is the process of collecting merchant information, verifying documents, checking business details, reviewing risk and approving a merchant before they can start using a fintech or payment service. With Upsonic, this process becomes AI-native. AI agents collect documents, read files, run checks, follow up with merchants, prepare cases for review, and create commission-rate offers that can be sent to merchants with one click.
Can Upsonic help send proposals or offers to merchants?
Yes. Upsonic can support proposal and offer workflows as part of merchant operations.
Can Upsonic help with settlement process tracking?
Yes. Upsonic can help teams track settlement-related processes after onboarding. AI agents can monitor settlement status, surface pending actions, help teams follow up on missing information and give visibility into settlement-related operational steps.
Is Upsonic compliant with GDPR, SOC 2, and ISO 27001?
Yes. Upsonic is built with GDPR, SOC 2, and ISO 27001 requirements in mind, supporting secure, privacy-focused, and compliant AI-native operations for regulated fintech environments.