Client: Leading Digital Payments Fintech in India
Use Case: Merchant Onboarding Verification
Solution: OnGrid’s API based Criminal and Court Record Verification
The Context
In today’s digital payments ecosystem, trust is everything. This fast-growing fintech platform was onboarding thousands of merchants every month, from large urban sellers to small shop owners in tier-3 towns. But as they scaled, one thing became clear: growth without strong verification could mean letting risk slip through.
The Problem
The team was running into some key challenges:
Merchants with past criminal records were slipping into the ecosystem
Manual or half-automated checks just couldn’t keep up
Due diligence processes were lagging behind onboarding speed
They needed a solution that worked across geographies, instantly and at scale
The OnGrid Approach
OnGrid stepped in with a simple but powerful solution: plug-and-play criminal record verification APIs that slot right into the existing onboarding journey.
What that meant in the practice
The Outcome
60,000+ merchant verifications completed
1% flagged for criminal history—helping avoid reputational and legal fallout
Faster onboarding decisions, less back and forth
Audit-ready workflows to meet regulatory expectations
A stronger foundation of trust in the platform’s growing network
Each red flag caught early saved the platform potential headaches later, whether that’s regulatory risk, customer complaints, or reputational harm.
Why It Matters
Verification isn’t just a box to tick. It’s your first line of defense.
In a space where speed often trumps safety, this fintech team chose both. And the results speak for themselves.
Smart background checks helped them scale faster and safer.
Final Word
Onboarding at scale doesn’t have to mean compromise. With OnGrid, this fintech turned verification into a growth enabler.
Because building trust isn’t a speed bump—it’s your best accelerator.
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