Onboarding Path

CentralPay offers several ways of onboarding, depending on your situation:

• You are a standard merchant, partner, or intermediary working directly with CentralPay
• You are a Participant Merchant through an Intermediary, or a standard merchant affiliated with a Technical Partner using the CentralPay solution

This guide outlines the various steps based on your profile. Some steps may be adapted or simplified depending on the specifics of your Integration process.

1. Online Merchants

The onboarding process consists of six main steps.

1.1. Project Eligibility

Our sales teams will work with you to analyze your project:

• Proposed payment channels (web, mobile, Point of Sale (POS), recurring, etc.)
• Preferred payment methods (credit card, Bank transfer, SEPA, Pay By Bank, etc.)
• Integration Methods (API, Portal, Connector)
• Profile of Your End Customers (B2B, B2C, subscriptions, etc.)
• Estimated volume (frequency and amounts)

1.2. Preliminary Compliance Analysis of Your Project

Based on the information provided, our compliance department conducts a preliminary regulatory analysis aimed at:

• Check whether your business is compatible with our regulatory framework
• Identify potential areas of concern (sensitive sectors, complex flows, etc.)
• Specify any warranties or special conditions in advance

1.3. Signing of the Master Agreement

Once this preliminary analysis has been approved, you will be asked to sign the Payment Services Framework Agreement or Electronic money agreement.

• View the Payment Services Framework Agreement
• A legal representative may designate an intermediary to sign on their behalf (sample delegation form available upon request)

1.4. Launch of the Integration

After signing the contract:

• You will receive your login credentials for the test environment
• You can access the CentralPay technical documentation

If you are receiving personalized support, an onboarding meeting will be scheduled to set up your initial settings (notifications, Payouts, user permissions, etc.).

1.5. Creating a CentralPay Merchant Profile

The legal representative receives a secure registration link to create the profile:

• It supplements the legal information
• He accepts the Terms and Conditions of Use
• The comprehensive compliance analysis is then initiated

This analysis may lead to:

• Requests for additional documents (KYC/KYB, contracts, supporting documents, etc.)
• A refusal to open the account if the regulatory criteria are not met
• Profile validation, leading to its activation

1.6. Go-Live

Once all steps have been validated, including Integration and any initial invoices:

• A go-live date has been agreed upon
• Your profile has been unlocked
• You can cash out your first transactions

2. Merchants affiliated with a Technical Partner

If you are a merchant integrated through a CentralPay Technical Partner or Intermediary Merchant, the process is simplified.

You’ll go directly to Step 5: Creating a CentralPay Merchant Profile.

2.1. Single Step: Profile Creation and Regulatory Approval

• You will receive a registration link sent by your partner or directly from CentralPay.
• This link allows you to:
  • Please complete the information about your organization
  • Describe your business in detail, the types of end customers you serve, and the estimated volume of your operations
  • Accept the Terms and Conditions of Use and sign the framework agreement

The technical aspects (integration, user flow, payment methods) have already been defined as part of the agreement signed with the Technical Partner or Intermediary.

CentralPay’s comprehensive compliance review remains mandatory before the profile can be approved.