Onboarding Process

The onboarding process is essential to ensure that merchants comply with Localpayment's operational and legal requirements before they start processing payments. This guide outlines the steps, requirements, and key considerations to help you complete the onboarding process efficiently.

Onboarding Process

The onboarding process at Localpayment is designed to be simple and efficient. Here’s what you can expect:

Submit Contact Information: Fill out the form with your contact details and basic business information.
Initial Review: Our team will review the information you submitted to ensure it complies with our operating regulations and risk policies. Once the validation is complete, a Localpayment representative will reach out to you through the contact details provided in the form to continue with the onboarding process.
Discovery Call: We'll schedule a call with you to discuss your business needs and gather any additional information required to proceed with the account opening.
Document Submission: You'll be asked to provide supporting documentation for verification and KYC/AML compliance. The required documents may vary depending on your country of operation and business type.
Documentation Review: Our team will review your documentation and verify your information to ensure compliance with legal and regulatory requirements.
Sandbox Access: Once your documentation is approved, you'll receive sandbox credentials to begin the technical integration and testing process.
Integration & Certification: You can then integrate the Localpayment API into your platform and test it thoroughly in the sandbox environment. Once you're ready, you'll need to complete a certification process to ensure your integration meets our standards.
Production Access: After successful certification, you'll receive production credentials for your live Localpayment account.
Penny Test: You'll conduct a penny test in the production environment to verify that everything is set up correctly.
Go Live: Once the penny test is successful, you can start accepting live payments. We'll monitor your transactions for the first two weeks to ensure everything is running smoothly.

Required Documents

The specific documents required for verification may vary depending on your country of operation and business type. Generally, you'll need to provide:

Official Identification: A valid government-issued photo ID (e.g., passport, driver's license).
Proof of Address: A recent utility bill or bank statement confirming your business address.
Business Registration Documents: Articles of incorporation or equivalent documents registering your business.
Banking Information: Bank statements or other documents verifying your business bank account details.

Verification and Approval

Verification Process: Our compliance team reviews your documents to ensure they meet regulatory requirements.
Approval Time: The process typically takes 3 weeks. You’ll be notified once your account is approved.

Technical Integration

We offer comprehensive resources to support your technical integration, including:

API Documentation: Detailed documentation of the Localpayment API, including endpoints, parameters, and response codes. View API Reference.
Sandbox Environment: A dedicated testing environment for you to integrate and test your implementation without affecting live data.
Postman Collection: Pre-built API requests to accelerate testing. Download Postman Collection.
Technical Support: A dedicated support team to assist you with any technical questions or issues during the integration process.

Sandbox and Production Credentials

Sandbox Access: After approval, you’ll receive test credentials to integrate with our sandbox environment.
Production Credentials: Once your integration is complete and certified, we’ll provide your production credentials.

Frequently Asked Questions

Q: How long does the onboarding process take?

A: The onboarding process typically takes around 3 weeks.

Q: What happens if my documents are rejected?

A: We’ll notify you of the issue and provide instructions to resubmit the correct documents.

Q: How do I test different scenarios in the sandbox?

A: You can simulate various scenarios (e.g., successful payments, declined transactions) by configuring different values in your API requests.

Q: When can I start accepting real payments?

A: Once you complete the certification process and perform a successful $0.01 test transaction in production.

Tips for a Smooth Onboarding

Gather your documents in advance: Having all the necessary documents ready before you begin the onboarding process can help expedite the verification process.
Test thoroughly in the sandbox: Use the sandbox environment to test various scenarios and ensure your integration is robust and reliable.
Reach out to our support team: If you have any questions during the onboarding process, don't hesitate to contact our support team.

Final Steps Before Going Live

Sign the contract to confirm agreed-upon fees.
Switch the system from sandbox to production, including webhook configurations.
Perform a one-cent production test transaction to validate the setup.

Prohibited Countries

Localpayment operates in many countries, but there are restrictions due to regulatory and compliance requirements. Below is a list of prohibited countries where we cannot onboard merchants or process transactions:

Abkhazia
🇦🇫 Afghanistan
🇦🇴 Angola
🇧🇾 Belarus
🇲🇲 Burma (Myanmar)
🇧🇮 Burundi
🇨🇫 Central African Republic
🇨🇺 Cuba
🇨🇩 Democratic Republic of the Congo
🇪🇹 Ethiopia
🇬🇼 Guinea-Bissau
🇮🇷 Iran
🇮🇶 Iraq
🇨🇮 Ivory Coast (Cote D’Ivoire)
🇱🇧 Lebanon
🇱🇷 Liberia
🇱🇾 Libya
🇲🇱 Mali
Nagorno
Karabakh
🇳🇮 Nicaragua
🇰🇵 North Korea
Northern Cyprus
🇵🇰 Pakistan
🇵🇸 Palestine
🇷🇺 Russia
🇪🇭 Sahrawi Arab Democratic Republic
🇸🇴 Somalia
Somaliland
South Ossetia
🇸🇸 South Sudan
🇸🇩 Sudan
🇸🇾 Syria
The Crimea region of Ukraine
🇺🇦 Ukraine
🇻🇪 Venezuela
🇾🇪 Yemen
🇿🇼 Zimbabwe

If your business operates in or has ties to any of these countries, you will not be able to onboard with Localpayment. We regularly review and update this list to reflect the latest regulatory changes.

Prohibited Business Types

To ensure compliance with global regulations and maintain the integrity of our platform, Localpayment does not support certain types of businesses. Below is a list of prohibited business types:

Adoption agencies;
Adult content, pornography and sexual related products or services (i.e.: live porn, sex chat, etc.);
Alcohol, tobacco, nicotine or related products;
Biological material of human origin (i.e.: hormones, human hair, etc.);
Body parts enlargement products or services (i.e. penis and breast enlargement);
Mobile recharge and Unlocking of cellphones;
Crypto Exchanges
Controlled substances and/or other products that offer risk to consumer safety;
Corrosive and explosive materials, compressed gases and aerosol, inflammable liquid, oxidizing materials, flammable solids;
Drugs or any kind of illegal substances, including products that simulate the effects of any illegal drug; just as any substances for the manufacture of drugs and any equipment used to produce, compounding, converting, processing, preparing, conceal and consume illicit drugs;
Gambling services, lotteries, or related services (i.e.: poker course, cash out games, etc.);
Gift card;
Invasive medical devices or equipment for invasive beauty treatments (i.e.: botox, peeling, hyaluronic acid, etc.);
Lending and Microlending
Medicines (exclusively sold by prescription or not) or any substances that are related with miraculous cure of any disease or health condition, including any hospital equipment;
Military weapons and ammunition, simulacros and controlled equipment (archery, sportive weapons, hunting equipment, weapon’s replica, etc.);
Multilevel marketing companies, pyramid schemes, Ponzi schemes or any program that promises profit or cashback with any deadline;
Pawnshop;
Plants, natural flowers, seeds, herbage, grass and living plant species; straw and forage; fresh food;
Poisons: liquid, solid or gas;
Political parties (i.e.: campaign finance, donations and subscriptions for politicians, political causes);
Precious metals, jewels or any other manufactured product made from these materials - Buying or trade;
Products and services with unauthorized use of a celebrity’s name, image, likeness, or other aspects of identity;
Products prohibited by local Public Health Agency, Sanitary Authority or equivalent (i.e. Anvisa, Cofepris, ISPCH, etc.);
Products related to pedophilia, child pornography, nudity of minors, as well as articles in any way involving the illegal participation of minors;
Products that injuries trademarks, patents, copyrights, and other intellectual property rights (i.e.: counterfeit products);
Prostitution agencies;
Radioactive material;
Sports forecasting, odds making, fantasy games and/or any kind of game that promises earning profits or bonus in any currency;
State owned companies;
Stolen products, subtracted anyway, smuggled, counterfeit, adulterated or replicated;
And any other product, services, or activity in jurisdictions where it is considered illegal.