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Merchant onboarding

From inquiry to live volume.

This is the exact path every merchant takes onto RightRates. Timelines shown are typical, not promised — KYB depth depends on your category and jurisdiction, and every route is subject to compliance approval.

  1. 01InquiryDAY 0 — TWO MINUTES, NO OBLIGATION.
    • Volumes, target markets and required methods
    • Settlement preference (fiat, crypto, stablecoin, mixed)
    • Licensing context where applicable
  2. 02Route mapDAYS 1–2 — OUR REPLY, IN WRITING.
    • Routes we can open for your corridor, with indicative pricing
    • What KYB will require for your category
    • A straight no where a flow cannot be served
  3. 03KYB reviewWEEK 1 — RUNS IN PARALLEL WITH SANDBOX ACCESS.
    • Document review by our compliance team and approved partners
    • Risk tiering that sets monitoring depth and ramp-up limits
    • Enhanced due diligence where category or jurisdiction requires it
  4. 04Agreements & sandboxCOMMERCIALS SIGNED, KEYS ISSUED.
    • Route fees and settlement windows agreed per corridor
    • Sandbox keys (rr_test_) with simulated settlement
    • One end-to-end test flow per rail you enable
  5. 05Go live & ramp upHOSTED CHECKOUT IN DAYS; API BUILDS AT YOUR PACE.
    • Production keys (rr_live_) on approval
    • Initial processing limits that lift as history builds
    • A named contact for the first weeks of volume

KYB document checklist

Having these ready is the single biggest factor in how fast you go live. Documents are reviewed under our AML/KYB framework and shared only with the approved partners executing your routes.

DOCUMENTWHO NEEDS IT
Certificate of incorporationAll merchants
Memorandum / articles of associationAll merchants
Register of directors and shareholders (UBOs to 25%)All merchants
Photo ID + proof of address for directors and UBOsAll merchants
Proof of business addressAll merchants
Operating licence(s)Licensed categories — e.g. iGaming, money services
Processing history (6–12 months)Where available — speeds risk review
AML policy / MLRO contactRegulated categories
Website / app access for reviewAll merchants

Non-standard flow?

Unusual corridors, mixed settlement or licensed-but-complex models go through the BrokerDesk before onboarding — a feasibility answer first, paperwork second.

Ask the BrokerDesk
Start your inquiryRead the API docs

© 2026 RIGHTRATES.IO. TIMELINES ARE TYPICAL AND NOT CONTRACTUAL. ONBOARDING AND EVERY ROUTE REMAIN SUBJECT TO KYB REVIEW, MERCHANT CATEGORY, JURISDICTION AND PARTNER APPROVAL.