Understanding Integration

Use an API-driven workflow to onboard new merchants efficiently. This end-to-end process automates each step, from application submission to equipment activation. So merchants can start accepting payments faster.

The following is the high-level process that outline the integration flow:

1

Merchant Data Collection

Collect and submit business details through Integrator UI to start merchant onboarding. This interface integrates with Xplor Pay’s backend systems to create and manage merchant profiles. Once the data is submitted, the system validates the information and returns a response for verification.

2

Data Validation and Correction

After the application is received, the system validates the submitted data. If corrections are needed, the Application Fixes Webhook notifies the integration system.

Key Validations Include:

• Business Contact Validation: Verifies business ownership details.

• Bank Validation: Confirms banking details to prevent transaction errors.

These checks ensure the merchant data is accurate before processing:

1. Implement webhook consumption to receive notifications.

2. Display notifications to merchants.

3. Collect the corrected information from merchants.

4. Submit the corrected data using the same APIs used during the Merchant Data Collection process.

5. Proceed with the Sign and Submit Application steps.

Note: Merchants can still proceed even if corrections are not made immediately.

3

Merchant Agreement and Application Submission

Merchants review the application, sign the agreement electronically, and submit it for processing. Xplor Pay logs the terms, IP address, and timestamp for transparency.

Submission options:

• Electronic signature – Merchants sign the agreement online.

• Document upload – A pre-signed agreement can be uploaded instead.

4

Automated Underwriting and Decisioning

Xplor Pay triggers the Webhook URL to begin underwriting. The automated system reviews the merchant’s data for risk and compliance.

There are three possible outcomes:

• Approved – The merchant passes underwriting and moves to equipment setup.

• Manual review – Additional checks are needed, such as supporting documents or business verification.

• Declined – The application is rejected if it doesn't meet compliance or risk criteria.

Real-time status updates are sent through Webhook notifications.

5

Equipment Setup and API Key Integration

For approved merchants, Xplor Pay configures the payment hardware and provides API keys for integration.

Automated Equipment Setup (Quest/TSYS):

• Configure devices like POS systems and card readers.

• Assigns API keys for merchants integrating with Xplor Pay’s payment system.

Step 5.1: Run Card-Not-Present (CNP) Transactions

Merchants can begin accepting remote payments (online, phone, or virtual) after data validation and underwriting are complete.

Note: CNP transactions do not require physical equipment.

6

Equipment Shipping and Activation

Once approved, the payment equipment is shipped pre-configured for immediate use. Merchants activate the devices and can begin in-person transactions.

Stage 6.1: Process Card-Present (CP) Transactions

After setup, merchants can accept in-store payments using card readers or POS terminals.

Note: CP transactions require activated hardware. Once the setup is complete, merchants can begin processing payments on-site.