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Because Macropay is your Merchant of Record, we are the legal seller on your customers’ statements. We remit sales tax and VAT worldwide, absorb PCI scope, and stand behind every dispute — which means the Know Your Customer (KYC) and Anti-Money Laundering (AML) checks are our obligation, not yours. We run them once, up front, so you never have to stand up your own compliance stack. The entire flow lives at Settings → Finance → Account in the dashboard and takes most merchants under ten minutes.
Onboarding gates your first payout, not your first sale. Customers can check out the moment you sign up — funds simply accrue in your Macropay balance until verification clears.

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The onboarding flow

1

Review — describe your business

Give us the basics so we can confirm what we’re underwriting:
  • Legal entity name, country, and registration number (if any)
  • Website and a primary contact email
  • What you sell, and how customers discover you
  • Trailing 12-month revenue (if any) and a forecast for the year ahead
  • Social handles — optional, but they accelerate review (here’s why we ask)
Nothing here is locked in. This step is informational and advances you straight to Validation; you can edit any field until your account is fully onboarded.
2

Validation — automated reputation check

An AI review agent assesses your public footprint. It pulls three inputs and reasons over them:It returns a structured report with one of three verdicts:
  • APPROVE — most legitimate businesses land here.
  • NEEDS_HUMAN_REVIEW — common for brand-new merchants with no online footprint yet. This is neutral, not a red flag.
  • DENY — never final on its own (see the callout below).
Expect under two minutes for the automated pass, or one to two business days if it routes to a human reviewer.
The agent never denies you unilaterally. Every DENY queues a human compliance reviewer to confirm, and you can appeal any negative verdict. Your data is processed with zero-retention settings and is never used to train any model.
3

Account — add your payout bank

Tell us where to wire your payouts. The form selects the correct rail from your country automatically:ACH and SEPA payouts are free; SWIFT is passed through at cost. Bank details are encrypted at rest. For the full mechanics, see MoR bank wire payouts.
4

Identity — verify the account holder

Two quick parts:
  1. Automated ID + selfie check. You’ll scan a passport, ID card, or driver’s licence and complete a short selfie liveness check, handled by a PCI DSS Level 1 compliant identity-verification partner. It usually clears in under a minute.
  2. Supporting documents. Upload directly into our compliance queue:
    • Government-issued ID (passport, ID card, or driver’s licence)
    • Business registration certificate (for companies)
    • Proof of address — utility bill or bank statement, under 90 days old
    • Tax certificate or VAT number, where applicable
Documents go straight to our compliance team and are never shared with third parties.
When all four steps clear, your account is fully onboarded and your first payout is released on the standard NET schedule.

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Review timeline

We work every queue item to resolution as fast as we can. Typical targets: Running longer than the target above? Email support and we’ll surface your case.

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Appealing a validation failure

If Validation returns DENY or NEEDS_HUMAN_REVIEW and you think it’s wrong, appeal from the same dashboard screen.
1

Open the appeal

The Appeal button sits just below the verdict card on the Validation step.
2

Explain the context

A short text field lets you tell the reviewer what the agent missed. For example: “The negative Trustpilot page it surfaced belongs to a different company with a near-identical name,” or “We’re a newly launched AI agent platform with no public reviews yet — here’s our launch coverage and investor list.”Attach anything that helps: press links, screenshots, or investor letters.
3

A human takes a second look

A compliance reviewer picks up appeals within 1–2 business days. You’ll get an email with the decision — and if it’s rejected, a plain-language explanation of which part of our acceptable use policy wasn’t met.

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After you’re onboarded

Onboarding is the initial review. As your sales grow, Macropay runs lighter continuous reviews asynchronously at certain thresholds. These refresh the same data we collected at onboarding without interrupting your business — charges keep flowing, and only payouts pause briefly while a review completes.

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FAQ

Yes. Onboarding gates payouts, not charges. Customers can check out the moment you sign up, and the funds accrue in your Macropay balance until verification clears.
No. Having no Trustpilot profile or press is neutral, not negative. The agent treats absent signal as ambiguous and routes those cases to a human reviewer rather than denying them.
To confirm the live product matches what you described in Review. This catches the common mismatch where a merchant signs up describing one business and operates another. The agent reads no more than 5 pages and never submits a form.
No. The inputs and outputs of the review agent are never used to train any model. We run the underlying model with zero-retention settings, so your prompts and completions aren’t retained beyond the request.
Appeal it. A human reviewer takes a second look and overrides the verdict where appropriate.
No — all four are required before the first payout. If you aren’t the organization admin, your admin must complete the Account and Identity steps; members can be added but can’t finalize onboarding alone.