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Merchant Onboarding

Merchant onboarding in Ikawaari is not only a signup flow. It is an activation process that determines whether a merchant is ready to accept payments, configure payouts, and operate in sandbox or live mode.

Implemented onboarding surfaces​

Current onboarding-related capabilities include:

  • merchant pre-signup challenge and verification flows
  • merchant onboarding state updates
  • activation hub guidance from the merchant dashboard
  • environment-aware setup and configuration review

Relevant routes​

Current routes include:

  • PATCH /merchant-auth/onboarding
  • GET /api/v1/merchant/dashboard/activation-hub
  • GET /api/v1/merchant/dashboard/summary
  • GET /api/v1/merchant/dashboard/today

Depending on the route family, legacy-compatible paths may also be available.

What onboarding should cover​

A merchant typically needs to complete these areas before go-live:

  • business and enterprise profile
  • payout configuration
  • payment settings
  • branding and customer-facing checkout setup
  • webhook and API key setup for developer-assisted merchants
  • notification and alert preferences

Activation Hub​

Ikawaari includes an activation hub in the merchant dashboard that aggregates setup progress, use cases, and actionable guides.

This should be the main merchant-facing guidance surface for progressive activation.

  • confirm merchant identity and business profile
  • verify sandbox configuration
  • validate payout destination setup
  • verify payment methods and currencies
  • validate webhooks for event-driven integrations
  • confirm live-readiness before enabling production traffic