Hosted Merchant Onboarding

This page provides an overview of Xplor Pay’s Hosted Merchant Onboarding. It gives a brief idea of how to manage the end-to-end merchant onboarding process through a streamlined and hosted workflow.

About Hosted Merchant Onboarding

The Xplor Pay’s Hosted Merchant Onboarding (HMO) is a hosted application flow that simplifies how new merchants submit their business information for payment processing setup. It provides a secure, PCI-compliant online application that captures business, owner, banking, and compliance details without requiring partners to build their own onboarding forms.

Xplor Pay automatically validates the data, performs underwriting checks, and creates the merchant account, reducing integration complexity for software partners.

Business challenges addressed

Software providers often struggle with merchant onboarding due to manual data collection, compliance reviews, and underwriting processes. These steps slow merchant onboarding and increase operational overhead.

HMO solves these challenges by automating data collection, validation, and underwriting. It enables software partners to onboard merchants faster, more securely, and at scale without building a custom onboarding flow.

Key capabilities

1

Hosted application flow.

Merchants complete onboarding through a secure hosted application form. The form captures all required business, ownership, and banking information and supports electronic signatures.

2

Automated underwriting and compliance validation.

Submitted data is validated automatically. Missing or incorrect information is flagged immediately to reduce manual review.

3

Flexible pricing configuration.

HMO supports default, custom, and Empower pricing models. The appropriate pricing plan is assigned based on partner configuration and merchant eligibility.

4

Seamless API integration.

Software Partners can initiate onboarding, request hosted application URLs, and track application status using API calls.

5

Quick account activation.

Automated workflows accelerate the review and approval process. Merchants start accepting payments once underwriting is complete.

Use cases

HMO covers the following scenarios:

• Independent Software Vendors (ISVs) onboarding merchants at scale.
• Platforms that require a simple, secure onboarding workflow.
• Flexibility in default, custom, or Empower pricing models.
• Merchants who need a fast, guided payment setup experience.

Hosted Merchant Onboarding process flow

1

Generate Hosted Merchant Onboarding Application URL.

The software partner initiates the onboarding request via an API request. The response includes a hosted onboarding URL that is presented to the merchant.

2

Merchant completes the onboarding application.

The merchant enters business, owner, banking, and tax information and signs electronically. Merchant reviews the entered details and submits the application.

3

Data validation and underwriting.

Xplor Pay validates the submitted information and performs underwriting checks.

4

Pricing plan configuration.

Xplor Pay will assign the default pricing plan based on the partner’s configuration if no specific pricing configuration is selected. Alternatively, merchants can select either a custom or an Empower pricing plan as needed.

5

Merchant creation.

After a successful underwriting process, the merchant account is created, and payment credentials are provisioned.

Technical requirements

To use hosted merchant onboarding flow, you need:

• Valid API access key issued by Xplor Pay.
• Access to the sandbox URL for testing.
• Provide webhook URL for onboarding status notifications.

Related topics

• To start onboarding quickly, refer to the Hosted Merchant Onboarding quick start.
• To learn how to implement the setup and callbacks, see Hosted Merchant Onboarding.