Sub-Merchant Onboarding Automation Without Manual Processing Delays
Join the Revolution!
Join the Revolution!
Most ISVs don't realise they're losing three out of every four potential sub-merchants during lengthy manual onboarding processes. While you're shuffling paperwork and waiting for compliance reviews, your competitors are approving merchants in under 48 hours and capturing the revenue you could have secured. The payment facilitation market rewards speed, but traditional onboarding systems create friction that costs you customers and delays cash flow. Every day a merchant waits for approval is another day they might choose a faster alternative. Trusted by over 200 UK businesses including leading SaaS platforms, ISVs, and marketplace operators who've transformed their payment programmes with automated sub-merchant onboarding.
Cost of Manual Sub-Merchant Onboarding Manual onboarding processes don't just slow down approvals—they actively damage your business growth. Research shows that 72% of merchants abandon onboarding processes that take longer than three days. This abandonment represents direct revenue loss, but the impact extends far beyond immediate sales. When you rely on manual compliance checks and document verification, you create bottlenecks that compound over time. Your team spends hours reviewing applications that could be processed automatically. Customer support fields frustrated calls from merchants waiting for approval status updates. Sales teams lose momentum with prospects who expected immediate activation. The operational burden grows exponentially as your platform scales. What works for a growing network of partners becomes unmanageable at 500. Manual processes that seem reasonable during early growth phases quickly become the primary constraint preventing expansion into new markets or customer segments. Compliance risks multiply with manual handling. Human error in document verification or risk assessment can result in regulatory violations that carry substantial penalties. The Financial Conduct Authority expects payment facilitators to maintain consistent, auditable onboarding standards—something nearly impossible to achieve with manual processes. Revenue delays compound the problem. Each delayed merchant approval postpones transaction volume, which directly impacts your revenue share. If your average merchant generates £10,000 monthly transaction volume at a , every week of onboarding delay costs you in lost earnings.
Onboarding That Actually Works PayFacLite® transforms sub-merchant onboarding from a manual bottleneck into an automated revenue engine. Our platform processes applications in real-time, conducting comprehensive compliance checks while merchants complete their registration—which means approval decisions happen within minutes, not days. Our automated identity verification system connects directly to Companies House, HMRC, and credit reference agencies to validate business credentials instantly. This integration eliminates the manual document collection phase that typically adds 3-5 days to traditional onboarding workflows. Merchants upload their information once, and our system verifies everything automatically in the background. Risk assessment automation evaluates each application against 47 different compliance criteria, including anti-money laundering checks, sanctions screening, and industry-specific risk factors. The system applies consistent decision-making logic that meets FCA requirements while processing applications 15 times faster than manual review processes. Conditional approval workflows handle edge cases intelligently. When an application requires additional documentation or review, the system automatically requests specific information from the merchant while continuing to process verifiable elements of their application. This parallel processing approach reduces total onboarding time even for complex cases. Real-time status updates keep merchants informed throughout the process. Instead of wondering about approval status, merchants receive instant notifications about verification progress, required actions, and approval decisions. This transparency reduces support queries and maintains merchant confidence in your platform. Customisable approval criteria let you maintain control over risk tolerance while benefiting from automation speed. Set your own transaction limits, industry restrictions, and risk parameters—our system applies these consistently across all applications while adapting to changing business requirements.
Delivers 48-Hour Sub-Merchant Activation Step 1: Instant Application Processing — Merchants complete registration through your branded interface. Our system immediately begins identity verification, business validation, and compliance screening while capturing all required information in a single session. No multiple forms or follow-up emails required. Step 2: Automated Compliance Verification — Advanced algorithms conduct comprehensive background checks across multiple databases simultaneously. Credit assessments, sanctions screening, and business verification happen in parallel, reducing what traditionally takes days into minutes of processing time. Step 3: Smart Decision Engine — Our risk assessment engine evaluates applications against your specific criteria and regulatory requirements. Straightforward applications receive instant approval, while edge cases are flagged for streamlined review with all supporting documentation already verified. Step 4: Instant Merchant Activation — Approved merchants receive immediate access to payment processing capabilities through your platform. Transaction limits, fee structures, and settlement schedules are automatically configured based on their approval tier and your business rules.
Onboarding Delays? Stop losing sub-merchants to faster competitors. Join over 200 UK businesses already using PayFacLite® to automate their sub-merchant onboarding and capture revenue that manual processes leave behind. Book your personalised demo today and discover how automated sub-merchant onboarding automation can transform your payment facilitation business. Our implementation specialists will show you exactly how to reduce onboarding time from weeks to hours while maintaining full regulatory compliance. Schedule Your Demo → Questions about implementation? Call our specialist team at 0800 XXX XXXX or email hello@payfaclite.com for immediate assistance.
PayFacLite® includes comprehensive indemnity coverage and ongoing transaction monitoring that identifies unusual patterns immediately. Our risk assessment algorithms achieve 99.2% accuracy in fraud prevention, and any false positives are covered under our compliance guarantee with full regulatory support.
Implementation typically takes 10-14 days with zero disruption to current operations. We migrate existing merchants seamlessly while new applications immediately benefit from automation. Our technical team handles all integration work, requiring minimal resources from your development team.
Absolutely. PayFacLite® applies your exact risk parameters automatically while adding consistency that manual processes can't match. You maintain complete control over approval criteria, transaction limits, and industry restrictions—automation simply executes your decisions faster and more reliably.
The system handles exceptional cases intelligently by requesting specific documentation while continuing to process verifiable application elements. Manual review requests trigger automatic workflows that keep merchants informed of requirements and timelines, maintaining the smooth experience even for complex applications.
PayFacLite® typically reduces total cost of ownership by 35-50% compared to traditional payment facilitation infrastructure. You eliminate manual processing overhead, reduce support costs, and benefit from wholesale interchange rates. Most clients achieve full ROI within four months through increased merchant acquisition and operational efficiency.