Overview

PayMongo Platforms offers two onboarding options to help you verify and activate your Child Accounts (e.g. merchants, riders, sellers, or partners):

Hosted Onboarding — a no-code KYC form for quick self-service setup
Onboarding API— a fully automated method for platforms with in-house development teams

Choosing the right approach depends on how you operate and who you're onboarding.

Onboarding Methods

Need / Use Case	Hosted Onboarding	Onboarding API
No-code, out-of-the-box setup	✅ Yes	❌ Developer setup required
Onboarding individuals (e.g. riders, freelancers)	✅ Yes	✅ Yes
Automating high-volume merchant onboarding	⚠️ Manual tracking	✅ Scalable & efficient
Custom UI/UX for onboarding	❌ Fixed form	✅ Fully customizable
Supports Wallet-only flows	✅ Yes	✅ Yes
Supports payment gateway access	✅ Yes	✅ Yes
Access to onboarding status	Dashboard + Webhooks	Dashboard + Webhooks

Typical Setup Examples

Platform Type	Suggested Method
Delivery or logistics app	Hosted Onboarding for riders
B2B SaaS platform	Onboarding API for merchants
Booking marketplace	Combination of both

Onboarding Flow Overview

flowchart TD
  PA[Parent account]
  
  PA -- "start onboarding" --> HO[Hosted Onboarding]
  PA -- "start onboarding" --> OAPI[Onboarding API]

	HO --> HOL[Generate onboarding link]
  OAPI --> OAPI1[Initiate API request]
  
	HOL --> CCF[Child complete onboarding form]
  OAPI1 --> SDD[Send details and documents via API]
  
	P[PayMongo received onboarding request for reivew]

  CCF --> P
	SDD --> P

	P --> ACH[PayMongo reviews and activates the child account]

	ACH -- "optional - Notify via webhook" --> PA2[Parent Account]