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Merchant onboarding and KYB workflows from one stack.
Verify businesses, owners, bank accounts, documents, and risk signals faster with one configurable KYB and merchant onboarding layer.
Built for teams across fintech, marketplaces, digital platforms, gig networks, and customer operations.
What this solves
Merchant and business onboarding pulls together government registries, director and UBO checks, document fetch, and settlement account verification, usually spread across separate vendors and manual review. idto.ai brings this into one configurable workflow.
Manual merchant onboarding
Ops teams spend too much time checking business PAN, GSTIN, MCA/CIN records, bank accounts, and owner details by hand.
Fragmented business verification
Entity data, director KYC, UBO checks, and bank verification often sit across different vendors and dashboards.
Payout and settlement risk
Merchants need a penny-drop or penniless bank verification pass before settlement accounts go live.
Weak audit visibility
Teams need cleaner logs, verification attempts, statuses, and decision trails for compliance and ops.
idto stack for merchant onboarding
CKYC 2.0
Search, download, create, and update CKYC records via CERSAI, with onboarding under 60 seconds where a record already exists.
DigiLocker Verification Suite
Fetch Aadhaar, PAN, and 15+ issued documents for owners and merchants with pin-less, no-redirection flows.
Business Verification
Verify business PAN, GSTIN, MCA/CIN records, director KYC, and UBO details in one call.
IntelliBank Account Verification
Validate merchant settlement and payout accounts with penny-drop, penniless, hybrid, and UPI-based methods, AI-routed for the highest success rate.
KYB Workflows
Configure document, ownership, UBO, and approval steps into one branded onboarding journey for sellers and partners.
Workflow Dashboard
Track merchant status, verification attempts, retries, and audit logs in one operations view.
Use casesWhat you can build
Mix and match the idto APIs to ship fast identity and risk flows from merchant onboarding to safer collections.
See API docs
Merchant Onboarding
PAN + GSTIN API Workflows
Seller And Vendor Verification
Settlement Account Validation
Owner And Authorized Signatory Checks
Compliance-Ready Audit Trails
Got Questions?
We've Got Answers
Everything you need to know about KYB and merchant onboarding with idto.ai
CKYC search, download, create and update, DigiLocker document fetch, business PAN/GSTIN/MCA verification, director and UBO checks, AI-orchestrated bank account verification, and configurable KYB workflows with a workflow dashboard.
Onboard merchants faster with one KYB stack.
Built for modern customer workflows across onboarding, fraud, operations, and recovery.
