Automating KYC in merchant onboarding

2026-05-13 · He Che · Head of Risk, YF Pay

Merchant onboarding has four stages: document validation, entity verification, risk review and contracting.

Implementation and exception handling

Failed automated checks move an application to the awaiting-documents state. Unknown fields are never treated as approval.

Operations records

Design record YF-PAY-RFC-202604. The regular maintenance window is Wednesday, 22:00–23:00. Changes involving service interruptions are announced separately on the status page.

Related resources:Integration and operations documentation · Customer workspace · Service status