Business verification
Merchants may be asked to provide company details, ownership information, website information, processing expectations, and supporting documentation.
Compliance
Merchant compliance and onboarding review
Way To Payments provides software for merchant data collection, secure document workflows, risk-tool integrations, and transaction monitoring. Verification and approval decisions are made by the relevant licensed provider or merchant.
Risk-based review
Licensed providers may require additional review, impose reserves, or make approval decisions; our software supports the related document and monitoring workflows.
Ongoing monitoring
Transaction behavior, chargeback patterns, customer complaints, and unusual processing activity can trigger additional review.
Compliance areas
- Merchant identity and business review
- Website and product/service screening
- AML/KYC-oriented onboarding workflows
- Acceptable-use and prohibited-business review
- Chargeback and dispute monitoring
Need account review?
Contact our team with your company name, website, industry, expected monthly volume, and payment methods needed.
Software and financial-licence matrix
| Function | Available under our software / technology model | Requires a financial licence |
|---|---|---|
| Merchant dashboard | Yes | No |
| API for website and platform integrations | Yes | No |
| Payment gateway / payment-request routing | Yes | No, provided funds do not pass through our company |
| Multiple PSP integrations | Yes | No |
| Smart routing between PSPs | Yes | No |
| Webhooks | Yes | No |
| Analytics and reporting | Yes | No |
| KYC document upload portal | Yes | No |
| Merchant management tools | Yes | No |
| CRM functionality | Yes | No |
| White-label payment gateway software | Yes | No |
| Receiving funds into company bank accounts | No | Yes |
| Holding client or customer funds | No | Yes |
| Merchant settlements or payouts | No | Yes |
| Merchant of Record services | No | Yes |
| Acquiring services | No | Yes |
| Issuing IBANs, wallets, cards, or e-money | No | Yes |
The “Yes” software functions are offered as IT infrastructure only. Regulated payment services and movement or settlement of funds are performed directly by independent licensed partners.