AI-Powered Merchant Onboarding

Modernize Merchant Onboarding Operations: Payment providers and acquirers must onboard merchants quickly to capture revenue, yet manual KYB checks, document verification, sanctions screening, and PCI readiness can delay activation and expose the business to fraud and compliance risk. This professional services offering delivers an intelligent multi-agent solution that automates the onboarding journey—from business verification and document extraction through risk scoring, pricing, and payment provisioning—while keeping risk and compliance teams in control of exceptions. The result is faster merchant activation, consistent risk decisioning, and a transparent, audit-ready record for every onboarding case.

Intelligent Multi-Agent Framework: A coordinated set of specialized AI agents handles each stage of onboarding—business identity and ownership validation, document extraction and confidence scoring, fraud and risk assessment, pricing and Merchant Discount Rate (MDR) recommendation, payment provisioning, and PCI compliance tracking—supported by conversational guidance and form automation. Under a central orchestration layer, the agents share context, apply business and policy rules, and route low-confidence or exception cases to human reviewers, so automation and expert judgment work together. Each automated decision carries explainable reasoning, giving risk and compliance teams a clear view of how every outcome was reached.

Business Capabilities: • Validate business identity, ownership, and UBO structures with sanctions screening • Extract structured data from registration, GST, and tax documents using OCR, with PII masking • Detect document tampering, forged records, and mismatched fields • Score merchant risk and fraud exposure by business model, geography, and activity • Recommend risk-based pricing and MDR with policy validation and exception flagging • Provision payment infrastructure, including POS, gateway, credentials, and merchant ID creation • Track PCI compliance readiness with automated checklists before go-live • Route exceptions to human-in-the-loop review and maintain audit-ready records

AWS-Native Architecture: Built on AWS, the solution uses Amazon Bedrock for foundation-model reasoning and Amazon Bedrock Guardrails for responsible AI policy enforcement, AWS Lambda for serverless processing, and AWS Step Functions to orchestrate multi-agent workflows. Amazon Textract performs OCR and extraction on business registration, GST, and tax documents, while Amazon Rekognition supports biometric and liveness verification. Amazon EventBridge drives event-driven provisioning and activation workflows, and Amazon API Gateway manages integration with registries, credit bureaus, and KYC/AML utilities. Amazon Simple Storage Service (Amazon S3) provides secure document storage, while AWS Identity and Access Management (IAM) and AWS Key Management Service (AWS KMS) enforce least-privilege access and encryption of sensitive merchant data. AWS CloudTrail, Amazon CloudWatch, AWS Config, AWS Security Hub, and AWS Control Tower deliver audit logging, observability, continuous compliance monitoring, and multi-account governance. The architecture is modular, event-driven, and designed for enterprise-grade resilience.