About the Customer

Our customer is one of the world's leading Fortune 500 payments technology and software companies, operating across 38+ countries with 27,000 employees. They provide an integrated platform that enables businesses—from retail to e-commerce, POS to alternative payment methods—to accept payments and manage commerce operations.

With a software-first scale approach, they process approximately 73 billion merchant transactions annually. Their expansive ecosystem includes over 4,000 technology partners and serves 1,500 financial institutions. Their customer base spans from SMBs to large enterprises across retail, restaurants, healthcare, education, and entertainment venues, with over 25,000 registered merchants and serving approximately 5 million businesses worldwide.

Customer Challenge

The company faced critical challenges in their multi-country corporate merchant onboarding processes that were impacting revenue and operational efficiency:

Different regulations, varying document types, and manual controls across countries were causing SLA delays and revenue recognition delays. The complex web of requirements made it difficult to maintain consistent processing times.

Ultimate Beneficial Owner (UBO) verification, signature authority validation, and sanctions screening varied by country, making it challenging and error-prone to create comprehensive evidence packages. This inconsistency created compliance risks and made audit preparation time-consuming.

Their existing mixture of RPA, macros, and manual processes required continuous headcount increases for capacity expansion.

Previous Approaches: Before engaging us as their agent partner, they relied on manual review processes combined with email and Excel/JIRA workflows, standard OCR with static rules for partial automation, patchwork integrations of third-party KYB/KYC services with country-specific APIs and institutional portals, and fragile RPA scripts for document retrieval and repetitive tasks that lacked proper governance.

Upsonic Solution

The company chose our Agent Operating System as their strategic agent partner to drive their agentic transformation across the entire onboarding ecosystem. Our comprehensive platform enabled them to transform their KYB (Know Your Business) processes end-to-end, including both Landing and Payment Facilitation workflows. Why They Chose Us as Their Agent Partner:

Agent Framework: Through our provided open-source agent framework, our clients' agent teams used our framework to build their agents. This way, while operations teams conducted their agentic transformation with onboarding agents, developers were also able to develop their agents for other workflows in the company without needing a different solution.

Agent Operating System Platform: A production-ready governance solution offering deployment, metrics, RBAC, human-in-the-loop (HIL) capabilities, and versioning—all managed from a single interface

Onboarding Agent: Pre-built capabilities for reading tax/registration/ID/notary documents, UBO and signature authority inference, official institution and sanctions queries via APIs, and automated audit-ready evidence pack generation

The system performs automatic cross-validation against official government institutions and sanctions APIs, generating audit-ready evidence packages for every decision. This end-to-end approach ensures complete traceability and consistent decision-making across all corporate applications.

The platform delivers "Minutes-to-Activation Speed" through automated triage, completeness checking, deduplication, risk scoring, and intelligent routing that enables approval workflows within minutes rather than days. The solution provides "Scale Without Headcount" escalation management from a single dashboard, with pre-built integrations, automatic retry mechanisms, and data localization options.

Results and Benefits

The integration of our Agent Operating System and onboarding agents has transformed how this Fortune 500 company manages merchant onboarding across multiple countries.

Same-day activation has become the majority outcome, with most applications approved within hours rather than days. This acceleration directly supports the company's time-to-revenue objectives and enhances competitive positioning in markets where instant onboarding is a key differentiator.

This partnership demonstrated how the right agent framework can transform complex, compliance-heavy processes while maintaining the governance and auditability requirements of Fortune 500 financial services operations.