How It Works | OpenPia Merchant of Record

From review to settlement

One operating flow.Every sale accounted for.

OpenPia connects product approval, seller verification, checkout, buyer support and payout into one traceable process. The exact controls depend on what you sell and how it is delivered.

Discuss your product

Before any transaction goes live, we need to understand the seller, the product, fulfilment, pricing and customer promise. That is what lets the merchant layer support the sale responsibly.

01review
02integrate
03sell and settle

Phase one

Qualify and onboard

We establish who is selling, what buyers receive and whether the business fits the service.

01

Eligibility review

Share the product, customer journey, pricing, delivery method and expected transaction profile.

02

Seller verification

Complete identity or business checks and provide the information required for risk review.

03

Commercial terms

Agree the seller relationship, fees, settlement timing, reserves and operating responsibilities.

04

Product approval

Confirm the approved offer, customer-facing terms and evidence of successful digital delivery.

Phase two

Connect and operate

Once approved, the product connects to the transaction lifecycle.

01

Checkout integration

Use the supported integration to create a checkout for the approved product and price.

02

Payment confirmation

Your product receives a verified transaction event before access or fulfilment is completed.

03

Buyer care

Receipts, transaction questions, refund requests and disputes follow a documented support path.

04

Reconciliation and payout

Transactions and adjustments are reconciled before eligible proceeds enter the settlement cycle.

Bring us the product before you build the payment flow.

An early review helps define the right checkout, delivery evidence and customer terms before engineering work begins.

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