Merchants begin the onboarding process by submitting an application that includes their website or mobile application details. This helps us understand how payments are presented to customers and how transactions are processed.

Depending on whether you register as a business or an individual, we require identity, ownership, and operational documents. These materials allow us to verify legitimacy, assess risk exposure, and meet card scheme and banking compliance requirements.

All information provided is handled securely and used solely for compliance, review, and onboarding purposes.

After your application is submitted, our compliance team conducts a manual review of all provided information. This includes an assessment of your business model, customer journey, and transaction flow.

During this stage, we may request additional documentation or clarification to complete our assessment. In some cases, a test account or demonstration environment may be required to validate the checkout and service delivery flow.

Review timelines typically range from within 24 hours to a few business days, depending on the complexity of the business and the completeness of the submission.

Once the compliance review is completed, PayCX prepares a tailored payment solution based on your business profile, transaction model, and assessed risk level.

The proposed solution outlines accepted payment methods, settlement schedules, settlement currency, applicable fees, and any applicable reserve or deposit requirements. These terms are designed to support processing stability while aligning with your operational needs.

All details are presented transparently for review before proceeding to contract execution.

If you agree to the proposed payment solution, we proceed with contract issuance and execution. The agreement formalizes processing terms, compliance obligations, and settlement structure.

Upon confirmation of the setup fee payment, our team configures your PayCX account and prepares it for integration. This includes internal risk controls and system readiness checks.

Payment processing is not enabled until all contractual and setup requirements are fully completed.

Merchants create an account on SellerCX and provide their Merchant ID(s) to our team for linkage. You may use a single Merchant ID or separate IDs for multiple websites, depending on your setup.

All PayCX payment activity, settlements, and payouts are managed through SellerCX, providing centralized visibility into transactions and balances.

For compliance reasons, card schemes automatically detect the originating domain of checkout traffic. Only approved domains may be used, and proxy, relay, or intermediary checkout pages are not permitted.

Once integration is completed, PayCX is activated and ready to accept live payments. Merchants can monitor transaction activity and performance directly through SellerCX.

Settlements are processed according to the agreed settlement schedule and are executed automatically once minimum settlement requirements are met.

Settlement funds are credited to the SellerCX Wallet, where merchants can manage balances, withdrawals, and payout history without additional manual steps.