Sales sign merchants faster than compliance can check them.
With ZenooEvery application becomes a case in a queue with an owner and a due time, and the inbox puts the most urgent first.
Payments · Merchant onboarding
Onboard merchants without the back and forth.
The merchant, its owners and what it really sells checked on one case, from the data vendors you choose. Zenoo reads the register and the website and suggests where to look. Your onboarding team sees what the merchant really sells.
30 minutes. Your data. No slides.
Works withCompanies HouseLSEGGBGLexisNexis
Who it is for
Payment institutions, e-money firms and acquirers.
Typical case
An online merchant, its owners and the website it trades from.
What supervisors ask about
Merchant identity, beneficial owners, the nature of the business and ongoing checks.
Sound familiar?
What we hear from payment firms.
Merchants drop out while we chase them for one more document.
With ZenooEach merchant gets one verification link for what you need, and Zenoo reads the register first, so they are only asked for what is missing.
What a merchant says it sells and what its website sells are two different things.
With ZenooResearch reads the website beside the application and flags where the story differs, so a person looks before the merchant goes live.
Every new market means another identity and registry vendor to wire in.
With ZenooKeep the vendors you trust and add local providers from the Marketplace. Results land on the same case, in one format.
One case, start to finish
From application to live merchant.
Follow one merchant through Zenoo, from the application to the approval that lets it take payments.
KO
Kestrel Outdoor LtdNew merchant · Company
Step 1 of 4Company recordActive, read from Companies HouseRead
DirectorsTwo, as declaredRead
Stated activityOutdoor clothing, onlineRead
KO
ChecksKestrel Outdoor Ltd · 3 parties
Step 2 of 4LSEGSanctions and PEP screening, 3 partiesClear
IdentityBoth ownersVerified
Website researchProducts differ from the applicationDiffers
AI
Zenoo suggestionsKestrel Outdoor Ltd
Step 3 of 4The website sells products the application does not mention. Suggest you ask the merchant to explain.application, website
Nothing is cleared or added on its own.
KO
ApprovalKestrel Outdoor Ltd
Step 4 of 4WebsiteExplained and application updatedCleared
Bank accountReceived and filedVerified
Approve the merchantNothing outstandingApproved
Product screens show fictional data.
Watch it work · 0:46
Zenoo does the research. You make the call.
Research a hit. Product screens show fictional data.
Where this fits
Every check you run, into one inbox.
Your screening, registry and ID providers send their results to the merchant's case. Anything that doesn't add up goes to the Inbox for your onboarding team. Pick providers from the Marketplace, or bring your own.
Your checksFrom the Marketplace
My inbox0 done
- Screening hitViktor LindqvistDue 11:00
- Identity card is wrongSergei ValtrovToday
Zenoo suggests. You decide.
What the rules ask
What the rules ask of payment firms, and where it lives in Zenoo.
| What the rules ask | Where it lives in Zenoo |
|---|---|
| UK MLR 2017, regulations 27 and 28Identify and verify the merchant before you establish the relationship, and understand the nature of its business. | Registry, identity and screening checks run on one case, and Research compares the stated activity with the website. |
| UK MLR 2017, regulation 28Identify the beneficial owners and understand who controls the merchant. | Owners and controllers are read from the register onto one structure and screened, people and companies alike. |
| UK MLR 2017, regulation 30ACheck the register, and report material discrepancies with what the merchant told you. | What the merchant declared is compared with the register, and every difference is flagged for a person to review. |
| UK MLR 2017, regulation 28(11)Keep due diligence up to date for as long as the relationship lasts. | Merchants are re-screened when their checks run out, and a change on the register lands in your inbox. |
| UK MLR 2017, regulation 40Keep records of the checks and the reasons for each decision. | Every decision, reason and change is kept in the case history with who made it and when, and nothing can be edited or removed. |
Last reviewed 21 October 2026. Each source links to the official text. A summary to help you compare, not legal advice. Your MLRO sets the policy. Zenoo runs it and keeps the record.
Zenoo AI
Zenoo suggests. You decide.
On a merchant's case, Zenoo reads the register, the website and the screening results, and suggests the next step with its sources. A person makes every call.
A director on the application is not on the register. Suggest you ask the merchant to confirm.application, Companies House
The trading address differs from the registered office. Suggest you ask the merchant to confirm.application, Companies House
Never clears a hitNever approves a caseNever passes a check
How Zenoo AI worksGetting live
What it takes from your team.
Your systems
How does it connect to what we have?
Send applications in through the API, or onboard customers through Zenoo's own journeys. Keep the data vendors you have, under your contracts, and add others from the Marketplace.
Browse the MarketplaceTime to live
How long until we are live?
Four to six weeks to production is typical, depending on your providers and systems. It starts with a demo on a case you bring, then a pilot on real cases.
How buying worksYour data
Where does our data live?
In the EU or US region, or on a dedicated UK tenant. Encrypted with AES-256 at rest and TLS 1.3 in transit. ISO 27001 certification is in progress.
Trust and securityQuestions
Merchant onboarding questions.
Do payment firms have to follow the Money Laundering Regulations?
In the UK, payment institutions and e-money institutions are covered by the Money Laundering Regulations and supervised by the FCA. Your MLRO decides how the rules apply to your business.
Can applications come from our own onboarding flow?
Yes. Send applications in through the API from your own flow, or use Zenoo's journeys. Either way each merchant becomes a case with the same checks.
Can Zenoo check a merchant's website?
Yes. Research reads the website beside the application and flags where the story differs, with its sources. A person decides what it means.
Can we add local providers for new markets?
Yes. Keep the vendors you have, under your contracts, and add others from the Marketplace. Results come back in one format whichever provider ran the check.
Does Zenoo approve merchants on its own?
No. Zenoo suggests the next step with its sources. A person clears every hit and approves every merchant, and both are on the record.
Does Zenoo do transaction monitoring?
No. Zenoo covers the checks on the merchant and the people behind it. Transaction monitoring stays with your existing system.
You
Tomorrow, your case
Bring us a merchant you nearly said yes to.
We'll show what the register and the website say about them.
30 minutes. Your data. No slides.