WHAT MAKES opāq DIFFERENT
Merchants provide a website URL or company number and AI extracts business name, address, industry, description, and structure in seconds — eliminating manual data entry errors.
AI-guided identity verification with document OCR, selfie liveness checks, and proof of address — meeting AML requirements without manual review bottlenecks.
Automatically surfaces the UBO declaration flow when ownership falls below 100%, capturing all beneficial owners with 25%+ shareholding — fully audit-ready.
AI analyses the merchant's profile — industry, transaction mix, seasonality, and market split — to surface the most relevant payment products from your catalogue, increasing uptake and reducing mis-sold solutions.
Open Banking instant connection or manual sort code and account entry with modulus checking — verifying settlement accounts before a merchant goes live.
Every ISO, Acquirer, and PayFac has different boarding requirements. opāq is configured to your programme — custom fields, branding, product catalogues, and compliance rules.
An embedded AI assistant answers questions in real time as merchants move through the flow — reducing abandonment, cutting inbound support calls, and keeping applications moving to completion.
Applications can be signed in-form when completed by the merchant, or automatically dispatched for e-signature by email when completed on their behalf — no separate DocuSign workflow required.
Fire a branded merchant application directly from Salesforce, HubSpot, or other market-leading CRMs — your sales team initiates onboarding without leaving the tools they already work in.
INDEPENDENT SALES ORGANISATIONS
Every day a merchant application sits in a queue is revenue you're not collecting.
With opāq you can:
ACQUIRERS & ACQUIRING BANKS
Poorly captured merchant applications create underwriting risk and compliance exposure.
opāq gives your acquiring operation:
PAYMENT FACILITATORS
Every sub-merchant you can't onboard this week is processing volume going elsewhere.
opāq lets your PayFac operation:
WHY opāq EXISTS
Most acquiring operations don't lose merchants to competitors — they lose them to friction in their own onboarding process. The common causes:
opāq turns a fragmented, paper-heavy boarding process into a single intelligent session — structured, compliant, and ready for underwriting from the moment a merchant submits.
Good acquiring outcomes start with good onboarding data.
opāq gives you both.