Understanding Integration
Last updated
Last updated
Clearent uses an API-driven workflow to onboard new merchants. This automated process streamlines the workflow from application submission to equipment activation, helping merchants get started quickly.
The following image and step-by-step guide outline the integration flow:
Merchant onboarding begins with Merchant Data Collection, where the integrator collects and submits essential details using the Integrator UI. This interface integrates with Clearent’s backend systems to create and manage merchant profiles.
– Creates the Merchant Identifier (MID) and merchant profile.
, , and – Processes equipment details, pricing structures, and merchant demographics.
Once the data is submitted, Clearent’s system validates the provided details and returns responses for verification.
After submitting the application, Clearent validates the data. The notifies the integration system of any required corrections.
Business Contact Validation: Verifies business ownership details and information.
Bank Validation: Confirms banking details to prevent transaction errors.
These validations ensure that all merchant information is accurate and ready for processing.
Note: Merchants can still proceed even if corrections are not made immediately.
: Updates and validates merchant details, taxpayer data, business contacts, and bank account information.
Merchants review their applications, sign agreements electronically, and submit the finalized application. Clearent logs terms, IP addresses, and timestamps to ensure transparency.
Electronic Signature Submission: Merchants sign agreements electronically to streamline the process.
Document Upload Alternative: Pre-signed agreements can also be uploaded for verification.
– Signature Endpoints: Captures electronic signatures.
– Submit Signature & Submit Application Endpoints: Finalizes the application for review.
Once the application is submitted, Clearent triggers a Webhook URL again to start the underwriting process. The Automated Underwriting system evaluates the merchant’s risk and compliance. There are three possible outcomes:
Approval: The merchant passes underwriting and moves to the equipment setup phase.
Manual Review: Additional verification may be required, such as further documentation or business validation.
Decline: The application is rejected if the merchant does not meet compliance or risk thresholds.
The merchant receives real-time updates on their application status via .
For approved merchants, Clearent configures the necessary payment hardware and provides API keys for seamless system integration.
Configures merchant hardware, such as POS systems and card readers.
Assigns API Keys for merchants integrating Clearent’s payment processing system.
From this stage, merchants can begin processing Card-Not-Present (CNP) transactions, such as online, phone, or virtual payments, after their profile is created and data is validated.
Note: CNP transactions don’t require physical equipment. Once data validation and underwriting are complete, merchants can start accepting remote payments.
After approval, equipment is shipped and pre-configured for immediate use. Merchants can activate the equipment and begin in-person transactions.
After receiving and activating equipment, merchants can process Card-Present (CP) transactions in-store using devices like card readers or POS terminals.
Note: CP transactions require functional hardware. Once activated, merchants can immediately start in-person payment processing.
