---
title: "Operational Merchant Boarding Process"
slug: "operational-merchant-boarding-process"
updated: 2026-01-02T17:28:45Z
published: 2026-01-02T17:28:45Z
stale: true
---

> ## Documentation Index
> Fetch the complete documentation index at: https://resource.payrix.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Operational Merchant Boarding Process

## Onboarding Process

Frictionless onboarding and speedy approval is essential to your clients, Payrix Pro offers an automated underwriting model designed to instantly approve your clients as they sign up. When first partnering with Worldpay for Platforms, your portfolio will be onboarded via our manual underwriting model during an initial integration period, which will set the foundation for your portfolio to graduate to our automated underwriting model when onboarding new accounts.

**What to expect during the initial manual underwriting period:**

As you initially begin submitting your clients to Payrix Pro through one of the onboarding methods detailed below, your client’s account will immediately be created in Payrix Pro, but their **Boarding Status** will be set to *Not Ready*. When your client’s account is created in Payrix Pro they can access the Portal, update their User settings, and configure most elements of their account. However, they will not be able to process any payments or transactions immediately.

Your initial merchant submissions will only be able to begin processing payments after a validation and data integrity review by the Payrix Pro Underwriting team. Typically, this *Manual Review* process is completed within a short time-frame and feedback will be provided to you by your Partner Experience Manager or by the Payrix Pro Underwriting team directly. Once your client’s merchant account is approved to process payments, their Boarding Status will update to *Successfully Boarded*.

**What to expect once your portfolio is approved for automated underwriting:**

During the short-term manual underwriting period, we’ll work with you to implement onboarding process updates and best practices based on the account verification and data integrity feedback for your initial merchant submissions. Once your platform’s Payrix Pro onboarding process is fully in place, your portfolio will be approved by the Payrix Pro Underwriting team for our automated auto-boarding solution.

After approval, all new merchant accounts you submit to Payrix Pro will qualify for our instant verification process and you will receive a Boarding Status response within 30 seconds of the merchant submission. Our automated underwriting solution validates your client’s merchant account almost instantaneously, and based on the information they submitted their account may be eligible for immediate approval (*Successfully Boarded*) to process payments as they sign up.

Qualifying for automated underwriting does not guarantee that your client’s merchant account will be instantly approved. If certain elements of your client’s account are flagged during the automated underwriting process their Boarding Status will instantly change to *Not Ready*, and the Payrix Pro Underwriting team will contact you directly if any follow-up or additional information is required.

The process of adding clients (merchants) to the Payrix Pro platform to use the Payrix Pro payment solutions. Also known as *boarding*.

A PayFac-as-a-service platform. Software companies can act as payment facilitators without taking on the associated risks, compliance burdens, and investment.

A process that primarily focuses on the following key elements of the merchant’s application and the data provided when signing up for Payrix Pro:

- Validating the merchant’s business, known as *Know Your Business (KYB)*
- Validating the owners, known as *Know Your Customer (KYC)*
- Preventing illegal and fraudulent activity
- Validating the merchant’s bank account

The web portal offered by the Payrix Pro platform to accomplish tasks for their business through a web-based user interface rather than the API. The Payrix Pro portal contains general settings, payment processing options, reporting, fee settings, group assignments, user management, and much more.

The login of a user accessing the Payrix Pro platform or associated with an API key for requests sent to the Payrix Pro API.

An entity that can process transactions and has been onboarded through a Payrix Pro partner.