Merchant boarding and enrollment
As a payment service provider (PSP), you enable your merchants to access PPRO's global network of payment methods. To facilitate this through your integration, each merchant must undergo a two-step process:
- Merchant boarding: You register the merchant’s legal entity to satisfy compliance (KYB/AML) and generate a merchant ID.
- Payment method enrollment: You use that merchant ID to enroll to specific payment schemes (e.g., Wero, Twint, Blik, etc).
Merchant boarding overview
Merchant Boarding is the initial step to register your merchants within the PPRO ecosystem. While your merchants are not directly contracted with PPRO, boarding is a critical step for regulatory compliance and operational readiness.
This process serves four primary functions:
- Merchant ID assignment: Boarding your merchants generates a unique PPRO merchant ID. This ID is required for all subsequent requests across payment method enrollments, payment charges and agreement endpoints to ensure transactions are correctly attributed.
- Verification & Risk Assessment: PPRO performs automated verification based on the merchant's geography, industry, and legal entity type to ensure they operate within PPRO's risk measures.
- Banking & Regulatory Compliance: Our banking partners require standardized KYB (Know Your Business) and AML (Anti-Money Laundering) due diligence. This data protects all parties by satisfying legal and financial obligations.
- Ongoing Fraud Monitoring: As a regulated financial institution, PPRO uses boarding data for continuous risk assessment to monitor for and prevent fraud across the network.
Payment method enrollment overview
Payment method enrollment is the process to select which payment methods you desire to enable for your specific merchant. Over 20 high-volume schemes require explicit enrollment requests before processing payments.
PPRO makes the enrollment process simple for you - simply make a request for each payment method desired, and PPRO will handle all enrollment processes per scheme.
Merchant boarding and enrollment integration paths
PPRO offers two entry points to board your merchants and request enrollment for new payment methods - a UI and an API. The best choice for your business depends on your technical resources and expected merchant volume.
| Feature | PPRO Dashboard | API |
|---|---|---|
| Integration Effort | Low - Start boarding once you have Dashboard access. | Higher - Requires development work to integrate with Global API endpoints. |
| Throughput | Manual - Limited by the speed of your operational teams. | Scalable - Supports up ~50 requests per second. |
| Latency | Manual - Dependent on human data entry. | Instant - 200-400ms average response time to receive an Merchant ID. Instant Enrollment for specific payment methods. |
| Ideal For | Low Volume or pilot programs. | High volume or fully automated workflows. |
If you plan to move forward via the PPRO Dashboard, see our UI Documentation here.
If you plan to move forward via the API, see our API Documentation here.
Merchant and enrollment lifecycle and notifications
Merchants and enrollments are "living" objects with their own state machines (e.g., PENDING, ACTIVE, SUSPENDED).
- Status Checks [Coming Soon]: The status of you merchants or payment methods can be retrieved via GET endpoints on the API, or viewed in the Dashboard.
- Webhooks [Coming Soon]: Changes to status of merchants or payment methods will push real-time updates to you via Webhooks, or notifications on the dashboard.
Updated 1 day ago