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PRODUCTOS Y SOLUCIONES
APPTIVIDAD® ONBOARDING
Consolide su embudo, cotice, autentique, evalúe, formalice y entregue en minutos
CONTACTO
Meridiano Business Center.
Guachipelín, Escazú
México: +52 55 8000-1958
Costa Rica: +506 2505-5069
The asymmetry is evident: While your bank invests millions to shave milliseconds off the consumer app (B2C), your Merchant Onboarding process continues to operate with the speed of an administrative back-office from the 90s.
For a Commercial Director, the acquiring equation is clear: Volume x Rate. But there is a hidden variable that is eroding margins before processing the first transaction: Customer Acquisition Cost (CAC), inflated by manual operations.
The traditional affiliation process is not only slow; it is inefficient. Depending on commercial executives to collect physical articles of incorporation and risk analysts to manually interpret legal powers is not a scalable strategy. It is a bottleneck that Fintechs and PSPs have already eliminated.
The technical obstacle in B2B onboarding has been the complexity of documentation. Unlike individual onboarding (where an ID is a standard structured document), company affiliation implies processing Unstructured Data: Articles of incorporation, powers of attorney, financial statements, and complex shareholding structures.
Here is where most digital flows fail. They limit themselves to being a "digital mailbox" where the client uploads PDFs that, ironically, end up in a "manual work queue" for human review. This is not digital transformation; it is remote data entry.
Our Merchant Digital Onboarding architecture eliminates friction through five layers of advanced technology:
Our platform orchestrates and provides full traceability across all stakeholders:
Instead of operating in silos, each role receives the right information at the right time, enabling a unified, transparent, and error-free merchant onboarding process.
We eliminate dependency on standardized documents. Using AI and advanced recognition engines, the platform reads complex, unstructured legal documents (Articles, Powers of Attorney) with no fixed format. The system automatically extracts the legal entity data, identifies Ultimate Beneficial Owners (UBOs), and validates legal representation authority, significantly reducing the compliance analyst’s workload.
Speed cannot sacrifice control. Our Decision Engine executes business rules in real-time:
We close the security loop by cryptographically binding the natural person (Legal Representative) to the legal entity. We use Passive Facial Biometrics with liveness detection and presentation attack prevention to ensure the digital contract is signed by a real, verified individual, eliminating impersonation fraud at onboarding.
Our platform integrates algorithms that assess the financial viability of the new merchant before activation. The system analyzes projected transaction profiles and margin scenarios. This allows for intelligent real-time decisions: automatically approving profitable merchants and routing low-margin cases for manual review, protecting portfolio efficiency.
Implementing an "End-to-End" and "Zero-Code" affiliation flow directly impacts acquiring financial KPIs:
The B2B market demands immediacy. If your institution requires a merchant to visit a branch or wait 5 days to have an active MID (Merchant ID), you are already losing market share to digital-native competitors.
The technology to automate legal file ingestion and risk assessment already exists and is modular. The strategic question for your committee is not if you should automate, but how much margin you are willing to yield while you continue validating papers manually.
Is your Back-Office holding back your commercial growth? Analyze with our specialists how to deploy the Merchant Digital Onboarding module on your current infrastructure.
Aprenda cómo Apptividad® puede complementar su estrategia comercial y acelerar su crecimiento