# Merchant Onboarding via API

This page provides an overview of Xplor Pay’s Merchant Onboarding via API solution, which enables partners and integrators to onboard merchants. The API streamlines merchant setup by automating business registration, underwriting data submission, and onboarding configuration through secure REST endpoints.

## About Merchant Onboarding via API

The Xplor Pay’s Merchant Onboarding via API allows integrators to embed merchant onboarding directly into their applications or platforms. Instead of manual form-based onboarding, partners can create, configure, and activate merchant accounts using APIs, enabling faster onboarding and reduced errors.

## Business challenges addressed

Merchant Onboarding via API addresses the following challenges:

* Manual and time-consuming merchant onboarding processes.
* Inconsistent data capture across onboarding channels.
* Delays caused by incomplete or incorrect underwriting information.
* Limited scalability when onboarding high merchant volumes.

## Key capabilities

Merchant Onboarding via API enables you to:

* Create and manage merchant accounts.
* Secure submission of merchant business, ownership, and banking details.
* Support for automated underwriting and compliance workflows.
* Configuration of merchant pricing, settlement, and processing options.
* Real-time onboarding status and response handling via API.

## Use cases

Merchant Onboarding via API is designed for the following scenarios:

* ISVs onboarding merchants directly from their platforms.
* Payment facilitators onboarding sub-merchants at scale.

## Merchant Onboarding via API process flow

{% stepper %}
{% step %}
**Collect merchant information.**

Capture and submit merchant business, ownership, and contact details through the onboarding APIs.
{% endstep %}

{% step %}
**Submit underwriting and compliance data.**

Provide required banking, taxpayer, and compliance information for validation and risk review.
{% endstep %}

{% step %}
**Configure pricing and processing settings.**

Set up merchant pricing plans, fees, and processing options based on business requirements.
{% endstep %}

{% step %}
**Validate and approve the application.**

Xplor Pay reviews the submitted data, performs automated underwriting, and returns approval or review status.
{% endstep %}

{% step %}
**Activate the merchant account.**

Activate the merchant account and enable payment processing for card-present and card-not-present transactions.
{% endstep %}
{% endstepper %}

## Technical requirements

* Xplor Pay API access.
* An API access key.
* Compliance with applicable PCI and data security standards.

## Related topics

* To learn how to integrate and onboard a merchant, see [Merchant Onboarding](https://docs.xplorpay.com/api-reference/api/merchant-onboarding).
* For API details, see [Onboard Merchant API Reference](https://docs.xplorpay.com/api-reference/api/merchant-onboarding/onboard-merchant).


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