Zoot’s Merchant Onboarding & Ongoing Review Platform

Streamline Merchant Onboarding. Automate Ongoing Review.

Our platform replaces fragmented processes and technical debt with a future-proof solution combining automated decisioning, integrated compliance, and efficient case handling.

Merchant Risk & Compliance Tools

Use predefined policies, embedded regulatory checks, and configurable risk scoring to manage acquirers and payment providers.

Structured Case Management

Route flagged applications and in-life reviews through structured workflows with escalation paths, audit trails, and real-time visibility for complete oversight.

Unified Onboarding and Review

Digitally capture merchant applications, automate decisions, and manage ongoing due diligence within one connected workflow.

Future-Proof Your Merchant Onboarding and Review Process

Built with input from acquirers, payment providers, and compliance experts, our  merchant onboarding and review solution replaces outdated processes with a unified, digital-first platform. Capture merchant applications, automate risk scoring and compliance checks, and manage ongoing revies, all in one connected workflow. By reducing manual effort and streamlining execution, our platform helps you speed up merchant acquisition, meet regulatory obligations, and manage operational risk end-to-end.

Digital Application Capture

Guide merchants and sales agents through intuitive, configurable digital journeys. Capture payment setup options, perform compliance checks, upload documents, and submit applications within a platform that’s API-enabled for full integration.

Data Gateway Integration

Connect to third-party data sources in real-time, including scheme databases (e.g., MATCH, VMSS), PEP and sanctions lists, trade registers, reputation services, and credit bureaus, with checks supported at both individual and business levels.

Strategy and Decision Automation

Automate decisioning logic for risk, fraud, compliance, and merchant reputation. Configure tailored workflows for different merchant types, channels, and jurisdictions, all from a single, centralised strategy environment.

Document Automation

Generate PDF documents automatically for both direct and sales agent flows, and complete agreements digitally with built-in e-signature.

Workflow and Case Handling

Handle flagged applications and ongoing reviews efficiently with case management, robotic process automation, and segmented workstreams. Gain full visibility and operational control with escalation hierarchies, audit trails, and dashboards.

Accelerate Acquisition Without Losing Control

Accelerate Merchant Acquisition

Digitise and automate onboarding to reduce manual work, remove delays, and onboard more merchants, while keeping full control over risk and compliance checks.

Strengthen Lifecycle Risk Controls

Apply consistent risk logic from onboarding through ongoing review. Built-in scoring, blacklist checks, and escalation workflows ensure that decisions are transparent, traceable, and defensible at every stage.

Simplify Compliance Management

Replace fragmented tools and manual processes with a single platform. Integrated KYC, KYB, AML, and scheme checks help you meet evolving compliance obligations with less effort and lower cost.

Boost Operational Efficiency

Support compliance and operations teams with structured workflows, real-time dashboards, and robotic process automation, so they can focus on exceptions instead of administration.