Merchant Onboarding

Merchant onboarding registers and verifies a business so it can accept payments. Pick the flow based on how much UX control and engineering time you want.

Pick an Onboarding Flow

Hosted Merchant Onboarding

Fastest launch. Hosted, configurable, and white-labelled.

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Merchant Onboarding via Partner Portal

No build. Submit applications in a portal workflow.

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Merchant Onboarding via API

Most control. Embed onboarding into your product.

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Rule of thumb:

• Need the quickest go-live: use Hosted.
• Need zero engineering: use Partner Portal.
• Need full UX + data flow control: use APIs.

Comparison matrix

Criteria	Hosted Merchant Onboarding	Merchant Onboarding via Partner Portal	Merchant Onboarding via API
Primary goal	Launch a configurable onboarding flow with minimal build.	Submit applications manually in a portal.	Build a fully embedded onboarding experience.
Best for	Partners who want speed and consistency.	Teams who want a simple process and no integration.	Platforms who need full control and deep integration.
Integration effort	Low	None	High
Who owns the UX	Xplor Pay hosted UI (configurable, white-labeled)	Partner Portal UI	You (your app/UI)
Customization	Field and workflow configuration	Fixed experience	Full control

Next step

Once merchants are approved, move on to Payment Processing.

Need help?

If you want a hands-off rollout, we can support onboarding setup and go-to-market planning.

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