Mintoak Digionboard

How can merchant acquirers

streamline digital merchant onboarding

and issue Terminal IDs instantly?

Enables banks and acquirers to instantly onboard existing and prospective merchants through a seamless digital merchant onboarding process, ensuring regulatory compliance with automated API integrations for KYC, KYB, and risk assessments. 

Mintoak DigiOnboard

Seamlessly onboard existing-to-bank (ETB) & new-to-bank (NTB) merchants through a seamless  digital merchant onboarding journey via the merchant app

Generate Merchant IDs (MID) and Terminal IDs (TID) instantly - enabling merchants to start accepting digital payments within minutes of onboarding

Digitize merchant credit risk assessment with automated bureau checks and AML screening

Pre-built RegTech integrations - BUREAU check, GSTN, FACTA, and FACTIVA to ensure regulatory compliance and reduce onboarding risk

Key Features

Accelerate digital merchant onboarding at scale

Save significant time with automated onboarding workflows

Reduce merchant acquisition costs with a fully digital process

Business Impact 

Merchants over across 19K+ pincodes 

4.9M+

Faster merchant payment processing

Improvement in credit collection rates

Raising the bar in 

merchant payments every day

Mintoak DigiOnboard goes above and beyond with an end-to-end digital merchant onboarding product built for banks and acquirers with complete API integration, local KYC/KYB, AML screening, and automated Credit Risk Assessment. 

BUREAU check

GSTN (Goods and Services Tax Network)

FACTA

FACTIVA

Why Choose Us?

Explore Products

A comprehensive suite for merchant onboarding, complete API integration, local KYC integration and AML screening for Credit Risk Assessment.

DigiOnboard | ETB and NTB merchant onboarding 

DigiOnboard is Mintoak's digital merchant onboarding platform built for banks and acquirers. It replaces paper-heavy processes with a fully digitised workflow- covering KYC/KYB verification, automated merchant risk assessment, and instant Merchant ID and Terminal ID generation, all through a single app. The result: faster onboarding, lower operational cost, and a scalable merchant acquiring operation.

What is DigiOnboard, and how does it help banks with merchant onboarding?

Yes. DigiOnboard handles both ETB and NTB merchants within the same platform. Existing customers move through a faster flow using pre-verified KYC data. New merchants go through full KYC and KYB verification- including bureau checks, GSTN validation, FATCA screening, and AML checks- ensuring merchant onboarding compliance without slowing down the process.

Can DigiOnboard onboard both existing and new-to-bank merchants?

Significantly faster than manual processes. Since KYC verification, risk assessment, and digital terminal ID generation all happen within one platform- with no paperwork or manual back-and-forth- merchants are activated in a fraction of the usual time. For banks scaling their merchant acquiring, this directly means more merchants processed per day with the same resources.

How fast can a merchant go live with DigiOnboard?

Yes. DigiOnboard is built with open API architecture, making integration with core banking systems, CRM platforms, and third-party RegTech providers straightforward. The merchant onboarding API fits into existing infrastructure rather than replacing it. It also supports white-label merchant onboarding, so the entire experience can be branded to the bank.

Does DigiOnboard integrate with a bank's existing systems?

Manual onboarding is expensive- field agents, physical document collection, and lengthy verification cycles all add cost per merchant. DigiOnboard eliminates most of these touchpoints. Automated compliance checks, instant ID generation, and a fully digital flow help banks reduce merchant acquisition cost at scale- making it viable to profitably onboard even smaller SME merchants.

How does digitising merchant onboarding reduce costs for banks?

Yes. While DigiOnboard is built around India's regulatory framework, its API-first, white-label architecture makes it adaptable to other markets. Banks in Africa and the Middle East face the same core challenges - manual onboarding, slow merchant activation, and scaling costs. DigiOnboard's flexible infrastructure can be configured to local compliance requirements, making it relevant well beyond India.

Key Features

Frequently Asked Questions