opaq .io
AI-powered Merchant Onboarding

Streamline Onboarding.
Balance AI & Real-World Insight.
from Apply. to Verify. to MID — FAST.

Introduction

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AI Autofill KYC & KYB Product Matching Multi-Bank Support e-Signing White-Label Ready Bespoke Flows CRM/OPs Integration 3rd Party API Collaborate on Apps Self-Hosted or Hosted
< 10 mins
Average Onboarding Session
Extensive
Structured KYC & KYB
Real-Time
AI Data Extraction
Bespoke
Per ISO / Acquirer / PayFac
Ongoing
Compliance Risk Reviews

One-Minute Demo

(basic version / no sound)

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Not Just a Form — A Complete Merchant Onboarding Intelligence Platform

AI Autofill

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.

Smart KYC & Liveness

AI-guided identity verification with document OCR, selfie liveness checks, and proof of address — meeting AML requirements without manual review bottlenecks.

UBO Compliance

Automatically surfaces the UBO declaration flow when ownership falls below 100%, capturing all beneficial owners with 25%+ shareholding — fully audit-ready.

Product Matching

AI analyses the merchant's profile and recommends the right payment products — card-present terminals, eCommerce gateways, MOTO, virtual terminals — matched to their business type.

Bank Verification

Open Banking instant connection or manual sort code and account entry with modulus checking — verifying settlement accounts before a merchant goes live.

Bespoke Implementations

Every ISO, Acquirer, and PayFac has different boarding requirements. Opaq is configured to your programme — custom fields, branding, product catalogues, and compliance rules.

See Opaq in Action

Welcome to the Opaq Merchant Onboarding platform. Opaq is designed for ISOs, Acquirers, and PayFacs. AI autofills business data from a website or company number in seconds, and guides merchants through KYC, KYB, and UBO declarations. Our AI matches suitable payment products based on the specifics of each merchant, and links primary or multiple bank accounts — all in a single structured, configurable flow that can be instantly deployed to support multiple portfolio cases, including MCC code restrictions and risk appetite.

The application can be signed in-form if completed by the merchant, or automatically sent for signing via email if the application is being completed on behalf of the merchant.

Give every merchant a guided, branded onboarding experience — while your team gets structured, compliant data from day one. No more PDF forms, chased emails, or re-keyed spreadsheets. Opaq turns a weeks-long process into a single, intelligent session.

Opaq is built to integrate with your back-office systems. Fire off a branded merchant application directly from within your CRM — such as Salesforce, HubSpot, and other market-leading platforms. Your sales team can initiate onboarding without ever leaving the tools they already work in.

If you feel that Opaq would benefit your payments business, please request a demo using the form below. We look forward to showcasing the power of Opaq.

What the AI Actually Does

Extracts Business Data

AI scrapes a merchant's website or company registry record and pre-populates business name, address, industry, description, and structure — eliminating manual keying and the errors that come with it.

Recommends Payment Products

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.

Guides the Merchant

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.

Board More Merchants. Faster. With Less Back-Office Friction.

Every day a merchant application sits in a queue is revenue you're not collecting.

With Opaq you can:

  • Deploy a branded onboarding portal to your merchant base in days
  • Eliminate incomplete applications with AI-guided structured capture
  • Automate KYC, UBO checks, and bank verification in one flow
  • Configure product catalogues, pricing tiers, and custom fields per programme

Slow Merchant Onboarding Costs ISOs, Acquirers & PayFacs Revenue Every Day

Most acquiring operations don't lose merchants to competitors — they lose them to friction in their own onboarding process. The common causes:

Opaq turns a fragmented, paper-heavy boarding process into a single intelligent session — structured, compliant, and ready for underwriting from the moment a merchant submits.

Board Merchants Right. From the First Application.

Good acquiring outcomes start with good onboarding data.
Opaq gives you both.

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It is structured, compliant, and fast.