Onboarding and lending,
built for every merchant type
No two merchants are alike - a street-side vendor, a growing retailer, an established chain. IDfy gives banks and payment acquirers one verification and lending layer that adapts to all of them.
See how real-time, personalized lending signal works.
See IDfy in action
Trust, onboarding and merchants, in a few minutes
Start with why trust matters, then see how IDfy onboards merchants - in person and across every channel.
Trust Matters
Why verified identity is the foundation of every merchant relationship - and how IDfy builds it at scale across APAC & GCC.
Onboard merchants faster, with confidence
How acquirers verify merchants and their beneficial owners quickly and consistently, without slowing approvals.
One onboarding journey, every channel
A seamless, consistent experience whether merchants onboard in person, on mobile or online.
APAC & GCC coverage
Built for markets we already operate in
Every merchant type
One layer, every merchant profile
Video KYC for UBOs
Consistent verification at scale
Real-time lending signal
Voice-based, subscribed, current
The problem
Merchant onboarding is not
"just done" at approval
Two bottlenecks keep showing up for acquirers and lenders across Malaysia. Two merchants on the same street don't behave the same - and neither should your process for verifying or lending to them.
Verifying UBOs doesn't scale manually
Manual video-call verification works in small volume, but breaks down as your merchant base grows - inconsistent checks, slow onboarding, limited audit trail.
Lending treats every merchant the same
Static, one-size-fits-all lending models miss the nuance that predicts real risk - leaving both under- and over-priced credit decisions on the table.
How IDfy solves it
One layer for onboarding and lending, built for every merchant
Video KYC that scales
Standardized, auditable UBO verification across every merchant type - faster onboarding without cutting compliance corners. Built for how we already operate across APAC & GCC.
Real-time, personalized lending signal
Voice-based risk assessment and real-time, subscribed data replace static applications - so lending decisions reflect how a merchant is actually performing, not a snapshot from months ago.
Built for your whole team
Every team involved in onboarding and
lending gets what it needs
Risk Head
Close the exposure gaps in onboarding and lending - fewer blind spots, cleaner audit trails.
Tech Head
API-first infrastructure that plugs into your existing stack and scales with merchant volume.
Operations Head
Less manual review, faster turnaround - scale merchant volume without scaling headcount.
MSME Lending Head
Underwrite thin-file merchants at volume, without a linear rise in cost per decision.
Business Loans Head
Defensible diligence for larger tickets - consistent UBO checks, current financial signal.