When you run a merchant base numbering in the tens of thousands, signing the merchant agreement and verifying identity by hand becomes an impossible bottleneck. Wthaiq gives you embedded signing through an API inside the onboarding journey itself, under your own brand, combining identity verification and legal acceptance in a single flow, and giving you full legal standing across the entire base.
Payment companies, wallet operators and point-of-sale providers face a problem of scale: every new merchant needs a signed agreement, identity verification and explicit acceptance of the terms before they can be activated. When the base runs into the hundreds of thousands, what looks like a simple procedure turns into a bottleneck that slows growth, drains teams and keeps you under constant regulatory pressure.
Registering tens of thousands of merchants one by one — sending contracts, chasing signatures and archiving them by hand — is a process that never scales with your growth, and it turns your team into an endless data-entry machine.
Regulators require you to have every merchant sign, run know-your-customer checks on them, and keep auditable evidence. Any gap in documentation or delay in compliance exposes you to liability and stalls your expansion plans at the worst possible moment.
Sending the merchant to an external signing site under an unfamiliar brand halfway through onboarding breaks the experience, plants doubt, and pushes up drop-off before activation is complete — so you lose merchants you had already won.
Capabilities built for the scale of fintech and wired directly into the sector's document types and workflow.
Embed the signing page inside the merchant onboarding journey in your own app, with your brand, your colours and your domain, without sending the user off to an external site. The merchant signs their agreement while still inside your platform, so the experience stays seamless, trust stays high and completion rates stay at their peak.
The merchant goes through full identity verification — an official document and live face matching — then signs their agreement and know-your-customer forms in the same unbroken flow. The verification result is tied to the signature, so you meet regulators’ requirements and close the door to denial and impersonation.
There is no need to handle each merchant separately. Send thousands of merchant agreements and acceptance forms in one batch through the API or a file upload, with each merchant's details filled in automatically. What used to take months of manual work is finished in a matter of hours.
The webhook system notifies you in real time of every event: the agreement opened, identity verification completed, signing done, or signing failed. These events flow straight into your system, so you track signing progress across your entire merchant base and trigger activation steps automatically as each merchant completes.
Every signed agreement is sealed with a PAdES digital signature that rises to LTA level, with an accredited timestamp proving the moment of signing and preserving its legal standing for the long term. Collection and settlement contracts and agent agreements stay binding and verifiable for many years, even after the certificates expire.
One dashboard shows you the status of every signature across your base: complete, pending and stalled. Every document keeps a full time-stamped audit trail — from opening to signing — and a completion certificate authenticated with a cryptographic fingerprint, ready to serve as evidence before regulators at any review or audit.
You connect Wthaiq once, and the whole base is then signed automatically inside your own app.
You connect Wthaiq to your merchant registration system through the API and the ready-made SDK in a handful of steps.
When a new merchant arrives, your system invokes an embedded signing session under your brand, pre-filled with their agreement and their details.
The merchant confirms their identity and signs their agreement and acceptance forms in the same flow, without ever leaving your app.
A webhook event reaches you the moment it completes, so your system activates the merchant automatically and the document is archived with an authenticated completion certificate.
Signing quickly is not enough; every agreement has to stand up to any regulatory review or legal dispute. Wthaiq brings together identity verification that ties the signature to a real person, and the standing of PAdES up to LTA level, and a tamper-proof, time-stamped audit trail — giving you a complete evidence file behind every merchant in your database, however large it grows.
The signing page does not open until the merchant has passed verification with an official document and a live face match — so every signature is tied to a confirmed real person, and the door on impersonation and denial is closed.
A digital signature compliant with the PAdES standard, rising to LTA level with an accredited timestamp, which keeps agreements binding and verifiable over the long term — even years after the certificates expire.
Every event is recorded with its time — from opening and verification through to signing — and a completion certificate authenticated with a cryptographic fingerprint is issued for each document, so any later change breaks the fingerprint immediately and is exposed on verification.
Yes. The signing and identity verification pages run fully white-label: your logo, your colours and your domain, embedded inside the registration journey in your app through the API. We never send the merchant to an external site, so the experience stays connected and the customer's trust in your platform is preserved.
Through bulk sending and the API: you fire off thousands of signature requests at once, with every merchant's data filled in automatically. You track progress live from a single dashboard and from instant webhook notifications. So what used to take months of manual work completes across the entire base.
Yes. A single flow combines identity verification, signing the merchant agreement and the acceptance forms, without interruption and without diverting the user. Identity is verified with an official document and a live face match. We link the verification result directly to the signature, so you meet regulators' requirements and keep clear evidence of every signer's identity.
Every agreement is sealed with a digital PAdES signature that rises to LTA level with an accredited timestamp. Backing it are identity verification, a time-stamped audit trail and a completion certificate carrying a cryptographic fingerprint. The document stays binding and verifiable over the long term, and any later change breaks the fingerprint and is exposed immediately.
Through a tracking dashboard that shows the status of every signature: complete, pending or stalled. And through webhooks that push every event to your system in real time: the agreement opened, identity verification completed, signing completed. Merchant activation steps are then triggered automatically the moment it is done, with no manual queries.
Merchant agreements, know-your-customer identity verification forms, terms and conditions acceptance, collection and settlement agreements, and agent and point-of-sale contracts. Use your own templates or your approved forms, and sign them all through the same flow embedded in your app, with consistent legal standing.
Start integrating via the API today and turn signing for hundreds of thousands of merchants into an automated flow under your brand, with full legal standing.
Start integrating via the API