Merchant Onboarding and Payment Flow

The Merchant Onboarding and Payment Flow process is not required for this integration. All necessary configurations and credentials are already managed internally by Depay, which means you do not need to implement any onboarding.

This simplifies the integration process, allowing you to focus solely on initiating and handling payment requests through the provided API endpoints.

For broader context, in the standard Depay cross-border payment system, merchants typically follow a structured onboarding process to prepare their accounts for international transactions. This workflow begins with the creation of a Collector, which represents the primary merchant entity. The Collector acts as the umbrella account under which all business activities are managed.

Once the Collector is set up, Stores are added to represent each specific business location or service point under that merchant. Stores allow for better organization, helping merchants track sales and transactions across multiple locations. Each Store is then equipped with Point of Sale (POS) terminals, which act as individual points where sales are processed.

With the complete setup of Collectors, Stores, and POS terminals, the merchant is ready to begin processing payments through Depay's cross-border QR code system. At this stage, international QR codes can be requested to facilitate transactions, enabling customers to make seamless payments from their local wallets, regardless of geographic boundaries.

This end-to-end setup not only ensures that merchants have a well-organized structure for managing their operations but also simplifies the payment experience for customers by offering a familiar, convenient way to make purchases using interoperable QR codes. The steps provide a complete journey from onboarding to the point where the merchant can actively engage in cross-border payments using Depay’s technology.

Key Steps in the Onboarding Process:

1. Create a Collector: Establish the primary merchant account.

2. Add Stores: Represent each physical or digital business outlet under the Collector.

3. Set Up POS Terminals: Configure the number of POS units required for each Store.

4. Request QR Codes: Begin facilitating payments by generating interoperable QR codes for transactions.