[{"data":1,"prerenderedAt":515},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fmerchant-kyb-checkout-platform":3,"resources-category-merchant-kyb-checkout-platform":499},{"title":4,"seoTitle":5,"description":6,"date":7,"updated":7,"category":8,"faq":9,"howto":25,"body":43},"Merchant onboarding for a checkout platform: KYB steps and timing","Merchant KYB for a checkout platform: steps and timing","How a checkout platform onboards merchants in 2026: terms of service, KYB fields and documents, review times, and what to show while a merchant waits.","2026-10-26","compliance",[10,13,16,19,22],{"q":11,"a":12},"Does every merchant on a checkout platform need KYB?","Yes. When a platform collects payments for many businesses, each merchant that receives funds is its own business customer, so each one passes KYB before it takes a payment. On BlindPay that means a terms of service acceptance, then a business customer with the company profile, documents, and beneficial owners. Confirm your own obligations with your compliance counsel.",{"q":14,"a":15},"How long does KYB take for a new merchant?","On BlindPay, KYB Standard is a manual review that takes 3 hours to 1 business day. Individual KYC Standard is automated and takes about 60 seconds. Plan the merchant experience around the business review: collect everything in one form, show a clear verifying screen, and email the merchant when the decision lands, so nobody refreshes a page for a day.",{"q":17,"a":18},"What documents does a merchant need for KYB?","Expect an incorporation document, a proof of ownership, and a proof of address for the business, plus an ID document and a proof of address for each beneficial owner. The profile also asks for the tax id, formation date, website, business type, a NAICS industry code, account purpose, estimated annual revenue, and source of wealth. Files go in as HTTPS links or through the upload endpoint.",{"q":20,"a":21},"What happens if a merchant's business is high risk?","Some business activities are allowed only with full disclosure and enhanced review, and some are prohibited. Check BlindPay's prohibited activities list before you market the platform to a vertical. Customers from high-risk countries always go to enhanced review, which is manual and takes longer than a standard case, so set expectations on the sign-up page.",{"q":23,"a":24},"Can a merchant accept payments before KYB is approved?","No. Keep checkout sessions locked until the merchant's KYB is approved, then create the wallet and API key. A merchant that can create sessions before approval will hand out payment links that cannot settle. Show the merchant a test mode or a demo checkout while they wait, so the time still feels productive.",{"name":26,"steps":27},"Onboard a merchant onto a checkout platform built on BlindPay",[28,31,34,37,40],{"name":29,"text":30},"Collect the sign-up basics","Ask for the business name and a work email, and create the merchant record in your own database before any compliance step.",{"name":32,"text":33},"Get terms of service accepted","Create a BlindPay terms of service link, send the merchant to it, and store the tos_id that comes back on your redirect URL.",{"name":35,"text":36},"Submit the KYB case","Create a BlindPay business customer with the tos_id, the business profile, the documents, and every beneficial owner.",{"name":38,"text":39},"Wait for the review","Show a verifying state, listen for customer updates, and answer any request for information within the merchant dashboard.",{"name":41,"text":42},"Open the account for payments","Once KYB is approved, create the merchant's wallet and API key, then let the merchant create checkout sessions.",{"type":44,"value":45,"toc":486},"minimark",[46,50,64,70,94,99,102,105,108,112,115,166,169,173,176,268,280,284,287,295,314,322,332,336,339,353,360,364,367,370,385,389,392,431,438,442,479,483],[47,48,49],"p",{},"A checkout platform onboards each merchant in two compliance steps: the merchant accepts terms of service, then passes KYB (Know Your Business) with its company profile, documents, and beneficial owners. On BlindPay, KYB Standard takes 3 hours to 1 business day. Only after approval does the merchant get a wallet, an API key, and live checkout sessions.",[47,51,52,53,58,59,63],{},"This guide covers the platform side of onboarding, as of October 2026. For what KYB checks in general, read ",[54,55,57],"a",{"href":56},"\u002Fresources\u002Fmore\u002Fwhat-is-kyb","what is KYB",". For how a checkout fits together end to end, start with ",[54,60,62],{"href":61},"\u002Fresources\u002Fmore\u002Fwhat-is-a-global-payments-checkout","what is a global payments checkout",".",[47,65,66],{},[67,68,69],"strong",{},"Key takeaways",[71,72,73,77,80,83,91],"ul",{},[74,75,76],"li",{},"Every merchant that receives funds through your checkout is its own BlindPay business customer, with its own KYB case.",[74,78,79],{},"BlindPay KYB Standard is a manual review that takes 3 hours to 1 business day. KYC Standard for individuals is automated, about 60 seconds.",[74,81,82],{},"The KYB case needs company details, a NAICS industry code from a fixed list, three business documents, and every beneficial owner with ID and proof of address.",[74,84,85,86,90],{},"Terms of service come first: BlindPay returns a link, and the ",[87,88,89],"code",{},"tos_id"," comes back on your redirect URL.",[74,92,93],{},"Holds can follow approval too. First withdrawals, unusual patterns, and sanctions matches can send a transaction to review for up to 30 days.",[95,96,98],"h2",{"id":97},"who-needs-kyb-on-a-checkout-platform","Who needs KYB on a checkout platform?",[47,100,101],{},"Every business that receives money through your checkout needs KYB. If you run a checkout for your own store only, that is one business customer. If you run a platform, it is one per merchant.",[47,103,104],{},"The reason is simple. Funds land in a balance that belongs to the merchant, and regulated providers must know who owns that balance. A platform that pools every merchant's money under its own name takes on that obligation itself, which is a much heavier compliance program. Onboarding each merchant as its own customer keeps the ownership clear from the first payment.",[47,106,107],{},"Who this is for: product and compliance leads building a multi-merchant checkout, a marketplace, or a payments product for SMBs. Confirm your own licensing and onboarding duties with your compliance counsel.",[95,109,111],{"id":110},"what-are-the-onboarding-steps-in-order","What are the onboarding steps, in order?",[47,113,114],{},"Five steps take a merchant from sign-up to its first live checkout session.",[116,117,118,124,140,154,160],"ol",{},[74,119,120,123],{},[67,121,122],{},"Sign-up."," Business name and work email. Create the merchant in your own database now, so every later step has an id to attach to.",[74,125,126,129,130,133,134,136,137,139],{},[67,127,128],{},"Terms of service."," Call ",[87,131,132],{},"POST \u002Fv1\u002Fe\u002Finstances\u002F{instance_id}\u002Ftos",", send the merchant's browser to the returned URL, and read the ",[87,135,89],{}," from the redirect. A ",[87,138,89],{}," belongs to one customer only.",[74,141,142,145,146,148,149,153],{},[67,143,144],{},"KYB submission."," Create the business customer with the ",[87,147,89],{},", the business profile, the documents, and the owners. See the ",[54,150,152],{"href":151},"\u002Fdocs\u002Flearn\u002Fcustomers","customers docs"," for every field.",[74,155,156,159],{},[67,157,158],{},"Review."," Show a verifying state. Watch for customer status changes and answer any request for information quickly, since an open request blocks the decision.",[74,161,162,165],{},[67,163,164],{},"Activation."," On approval, create the merchant's wallet and its API key, and turn on checkout sessions and withdrawals.",[47,167,168],{},"The order matters. Put the terms step before the long form, so a merchant who will not accept the terms leaves before typing twenty fields.",[95,170,172],{"id":171},"what-does-the-kyb-case-collect","What does the KYB case collect?",[47,174,175],{},"KYB covers the business, its documents, and the people who own or control it. Collect it all in one form and validate it before you submit.",[177,178,179,195],"table",{},[180,181,182],"thead",{},[183,184,185,189,192],"tr",{},[186,187,188],"th",{},"Section",[186,190,191],{},"What you collect",[186,193,194],{},"Notes",[196,197,198,210,221,232,243,257],"tbody",{},[183,199,200,204,207],{},[201,202,203],"td",{},"Business profile",[201,205,206],{},"Legal name, formation date, tax id, website, business type, description",[201,208,209],{},"The website should match the business you describe",[183,211,212,215,218],{},[201,213,214],{},"Industry",[201,216,217],{},"A NAICS code from BlindPay's fixed list",[201,219,220],{},"An unknown code is rejected with the list of valid ones",[183,222,223,226,229],{},[201,224,225],{},"Activity",[201,227,228],{},"Account purpose, estimated annual revenue, source of wealth",[201,230,231],{},"Pick values from the documented enums",[183,233,234,237,240],{},[201,235,236],{},"Address",[201,238,239],{},"Registered address and phone number",[201,241,242],{},"Must match the proof of address",[183,244,245,248,251],{},[201,246,247],{},"Business documents",[201,249,250],{},"Incorporation document, proof of ownership, proof of address",[201,252,253,254],{},"HTTPS links BlindPay downloads, or files sent through ",[87,255,256],{},"POST \u002Fv1\u002Fupload",[183,258,259,262,265],{},[201,260,261],{},"Beneficial owners",[201,263,264],{},"Role, name, date of birth, tax id, address, ID document, proof of address",[201,266,267],{},"One block per owner or controller",[47,269,270,271,274,275,279],{},"Document links must be publicly fetchable. A dead link or a ",[87,272,273],{},"data:"," URI fails the submission, so upload files first and pass the resulting links. The ",[54,276,278],{"href":277},"\u002Fdocs\u002Fkb\u002Fkyb-documents","KYB documents guide"," lists what each document type should show.",[95,281,283],{"id":282},"how-long-does-each-review-take","How long does each review take?",[47,285,286],{},"KYB Standard takes 3 hours to 1 business day on BlindPay, because a person reviews it. Individual checks are faster.",[47,288,289,290,294],{},"The ",[54,291,293],{"href":292},"\u002Fdocs\u002Fkb\u002Fcut-off-times","cut-off times reference"," lists the onboarding timelines:",[71,296,297,303,309],{},[74,298,299,302],{},[67,300,301],{},"KYC Standard:"," about 60 seconds, automated.",[74,304,305,308],{},[67,306,307],{},"KYC Enhanced:"," 3 hours to 1 business day, manual.",[74,310,311,308],{},[67,312,313],{},"KYB Standard:",[47,315,316,317,321],{},"Customers from high-risk countries always go to Enhanced review. Some business activities are allowed only with disclosure and enhanced review, and others are prohibited outright. Read the ",[54,318,320],{"href":319},"\u002Fdocs\u002Fkb\u002Fprohibited-activities","prohibited activities list"," before you target a vertical, not after merchants from it sign up.",[47,323,324,325,331],{},"For comparison, card platforms also hold new merchants for a while. Stripe's ",[54,326,330],{"href":327,"rel":328},"https:\u002F\u002Fdocs.stripe.com\u002Fpayouts",[329],"nofollow","payouts docs"," say the first payout is typically scheduled 7 to 14 days after the first successful live payment, depending on industry, country, and risk. Every provider prices risk into the first days of a new merchant. The difference is where the wait sits.",[95,333,335],{"id":334},"what-should-the-merchant-see-while-kyb-runs","What should the merchant see while KYB runs?",[47,337,338],{},"A clear verifying screen, a reason to stay, and a message when the decision lands.",[71,340,341,344,347,350],{},[74,342,343],{},"Say what happens next and how long it usually takes, in plain words: \"We are verifying your business. This usually takes a few hours and at most one business day.\"",[74,345,346],{},"Give them something to do. A test mode checkout, a demo store, or the API docs keep the integration moving while compliance works.",[74,348,349],{},"Email on approval, rejection, or a request for information. Nobody should refresh a dashboard for a day.",[74,351,352],{},"Give a rejected merchant its own screen. Do not show a generic error.",[47,354,355,359],{},[54,356,358],{"href":357},"\u002Fresources\u002Fmore\u002Fautomated-kyc-kyb-vs-manual-onboarding","Automated KYC\u002FKYB vs. manual onboarding"," covers which parts of this you can automate and which stay with a reviewer.",[95,361,363],{"id":362},"what-happens-after-a-merchant-is-approved","What happens after a merchant is approved?",[47,365,366],{},"Approval opens the account, but transactions still get screened. Plan for holds as part of normal operations.",[47,368,369],{},"BlindPay can hold a payin or payout for review after approval. Common triggers include first-time withdrawals, unusual activity patterns, amounts that are large for the merchant's history, sanctions or watchlist matches, and open requests for information. A hold can take up to 30 days to resolve, and a timeout without a decision fails the transaction. Every USD payout over ACH, wire, RTP, or SWIFT goes through review.",[47,371,372,373,378,379,384],{},"Sanctions screening applies to owners as well as payments. Lists such as the ",[54,374,377],{"href":375,"rel":376},"https:\u002F\u002Fofac.treasury.gov\u002Fspecially-designated-nationals-and-blocked-persons-list-sdn-human-readable-lists",[329],"OFAC SDN list"," change often, and payment messages carry more originator and beneficiary data since the ",[54,380,383],{"href":381,"rel":382},"https:\u002F\u002Fwww.fatf-gafi.org\u002Fen\u002Fpublications\u002FFatfrecommendations\u002Fupdate-Recommendation-16-payment-transparency-june-2025.html",[329],"FATF Recommendation 16 update of June 2025",". Show held payments as \"under review\" in the merchant dashboard, not as failed.",[95,386,388],{"id":387},"how-does-blindpay-handle-merchant-onboarding","How does BlindPay handle merchant onboarding?",[47,390,391],{},"BlindPay runs the compliance steps inside the same API that moves the money. Your platform owns the sign-up screens, and BlindPay owns the checks.",[71,393,394,403,409,415,425],{},[74,395,396,399,400,402],{},[67,397,398],{},"Terms of service"," through a hosted link, with the ",[87,401,89],{}," returned to your redirect URL.",[74,404,405,408],{},[67,406,407],{},"KYB and KYC"," in the customer object, with KYB Standard reviewed in 3 hours to 1 business day and KYC Standard automated in about 60 seconds.",[74,410,411,414],{},[67,412,413],{},"Status updates"," on the customer, so your dashboard can show verifying, approved, or a request for information without polling a separate vendor.",[74,416,417,420,421,424],{},[67,418,419],{},"Screening in the payment flow",", including sanctions checks and risk review, with holds surfaced as an ",[87,422,423],{},"on_hold"," status.",[74,426,427,430],{},[67,428,429],{},"Activation"," through managed wallets and payin quotes once the merchant is approved, so the merchant's first checkout session uses the same customer record.",[47,432,433,434,63],{},"That keeps one record per merchant from sign-up to first withdrawal. For the checks behind each step, see ",[54,435,437],{"href":436},"\u002Fresources\u002Fmore\u002Fkyc-vs-kyb-vs-kyt","KYC vs KYB vs KYT",[95,439,441],{"id":440},"methodology-and-sources","Methodology and sources",[47,443,444,445,448,449,448,453,448,456,460,461,464,465,469,470,473,474,478],{},"BlindPay facts come from the ",[54,446,447],{"href":151},"customers",", ",[54,450,452],{"href":451},"\u002Fdocs\u002Flearn\u002Fterms-of-service","terms of service",[54,454,455],{"href":292},"cut-off times",[54,457,459],{"href":458},"\u002Fdocs\u002Fkb\u002Fkyc","KYC requirements",", and ",[54,462,463],{"href":319},"prohibited activities"," docs, read in October 2026. External sources: ",[54,466,468],{"href":327,"rel":467},[329],"Stripe payouts docs",", the ",[54,471,377],{"href":375,"rel":472},[329],", and the ",[54,475,477],{"href":381,"rel":476},[329],"FATF Recommendation 16 update",". Requirements vary by jurisdiction and business type. This is not legal advice.",[95,480,482],{"id":481},"what-to-do-next","What to do next",[47,484,485],{},"Map your sign-up form to the KYB table above and cut any field you collect twice. Then create a development instance, run one merchant through terms and KYB, and time how long your own screens take before the review even starts.",{"title":487,"searchDepth":488,"depth":488,"links":489},"",2,[490,491,492,493,494,495,496,497,498],{"id":97,"depth":488,"text":98},{"id":110,"depth":488,"text":111},{"id":171,"depth":488,"text":172},{"id":282,"depth":488,"text":283},{"id":334,"depth":488,"text":335},{"id":362,"depth":488,"text":363},{"id":387,"depth":488,"text":388},{"id":440,"depth":488,"text":441},{"id":481,"depth":488,"text":482},[500,505,510],{"path":501,"title":502,"description":503,"date":504},"\u002Fresources\u002Fmore\u002Fvirtual-account-requirements-kyc-kyb","Virtual account requirements: KYC, KYB, and what the bank reviews before it says yes","What you need to open a virtual account: KYC or KYB, the extra fields and source of funds documents the bank reviews, who owns each step, and timelines.","2026-08-14",{"path":506,"title":507,"description":508,"date":509},"\u002Fresources\u002Fmore\u002Fshopper-data-cross-border-checkout","What shopper data does a cross-border checkout need?","The payer fields a 2026 cross-border checkout collects per rail: CPF or CNPJ for Pix, CUIT for Argentina, PSE details for Colombia, and why each exists.","2026-10-27",{"path":511,"title":512,"description":513,"date":514},"\u002Fresources\u002Fmore\u002Fcustodial-vs-non-custodial-payin-apis","Custodial vs non-custodial stablecoin payin APIs: what changes for your business","Non-custodial stablecoin payment API or custodial? Who holds the keys, funds and risk in a payin, with a risk table and six diligence questions.","2026-10-24",1794399394149]