Payment processors need high-volume merchant KYC that's fast, accurate, and defensible to card networks. FlowAI triage handles identity extraction, sanctions checks, and risk scoring for every merchant — at the speed your onboarding funnel requires.
Merchant applications that take 3 days to review become 3-second auto-approvals for clean applicants. Your onboarding funnel converts while your compliance team handles only the exceptions that need human eyes.
High-risk merchant flags (mismatched business type, sanctions proximity, document inconsistencies) surface at onboarding — not after the first chargeback wave. Better KYC upfront is the cheapest fraud prevention there is.
FlowAI's REST API drops into any payment processor stack. Works alongside Stripe Connect, Adyen marketplace onboarding, or your custom gateway. Webhooks deliver decisions in real time to your underwriting workflow.
Run a mock merchant through the same pipeline your production onboarding would use.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Scenario | Manual merchant review | With FlowAI |
|---|---|---|
| Monthly merchant applications | 5,000 | 5,000 |
| Avg. manual review time | 45 min/merchant | 3s auto, 10 min human on exceptions |
| Auto-approved (est. 80%) | All go to analyst | 4,000 auto-approved instantly |
| Analyst cost (3,750 hrs @ $40/hr) | $150,000/mo | $16,667/mo (1,000 escalated only) |
| FlowAI Growth plan | — | $1,999/mo |
| Monthly compliance cost | $150,000 | $18,666 |
$131K saved monthly. Plus reduced chargebacks from better upfront screening.
FlowAI runs alongside Stripe's identity checks, not instead of them. You call FlowAI's triage API with the merchant's documents before or after Stripe's own verification step — FlowAI adds sanctions screening and structured risk scoring that Stripe's built-in checks don't provide.
Individual KYC (beneficial owners, signatories) is fully supported today. KYB for legal entity documents (articles of incorporation, business registration) is on the roadmap — contact us to discuss your specific business document requirements.
The API returns: decision (APPROVE / ESCALATE / REJECT), risk_score (0–100), reason (structured explanation), case_id, and sanctions_hits (list of any matches). Your underwriting system ingests this and routes accordingly.
Founding 10 locks $249/mo. Starter gets you live in a day.
Also: FlowAI vs Sardine · FlowAI vs Column · Security & Trust · API Docs