Hosted onboarding: Built for faster activation

The process often looks like this: you send users off into the unknown with an unbranded link, and suddenly, your smooth UX hits a wall of forms, handoffs, and vague status updates, or worse yet, PDFs. You’re stuck asking your customers, “Did you finish signing up yet?” while they wonder why they have to re-enter all the information they just gave you.

It’s painful for everyone. Your software already knows your users. Why should they have to start from scratch? At Moov, we think signing up merchants should feel like part of your product. Hosted onboarding flips the script by giving software platforms—not just processors—the power to own and streamline the experience. The result? Faster go-lives, fewer drop-offs, and a tailored onboarding flow that actually fits your users and your business.

The problem with typical onboarding

Let’s be real: the old way of onboarding merchants was built for processors, not platforms.

A typical flow goes something like this:

• A new user clicks a generic “Get Started” link.
• They’re dropped into a standalone form.
• They re-enter information your app already has.
• You, the platform, lose visibility into where they are in the process.

It’s a disconnected experience, and it’s no surprise that conversion suffers. Even worse, the one-size-fits-all model doesn’t reflect the reality of modern embedded finance. Your users aren’t just generic merchants. They might be financial institutions, B2B platforms, or niche marketplaces. They need onboarding flows that reflect their industry, compliance requirements, and context.

What we fixed

We built hosted onboarding to solve exactly these pain points. Here’s how it works, and why it’s a game-changer for SaaS platforms.

Smarter by default

Moov pre-fills onboarding data based on what you already know about your users, like business name, EIN, address, and ownership details. That means no redundant forms and no unnecessary friction. Moov will even look up public business information from the email alone and prefill additional data. The experience feels like a continuation of your platform rather than an awkward transition to a third-party system. Users move through onboarding faster, with less confusion, and with better accuracy.

Real-time status and insights

No more chasing users to check in on their onboarding status. Moov gives you instant visibility into the entire onboarding lifecycle:

• What’s been completed
• What’s missing
• Where there are data mismatches (e.g., address vs. EIN)
• What additional details are required for compliance

This level of insight empowers your support, ops, and product teams to act fast. Plus, it helps you turn onboarding into a lever for growth instead of a bottleneck.

Networked accounts

If your merchant has interacted with Moov before, they can select their existing account to link it to your platform without having to rekey any information.

Industry-specific customization

Unlike legacy processors, Moov adapts to your use case. Are financial institutions your customers? We can omit irrelevant fields like beneficial owners and focus on what’s required for that business model. Onboarding direct sellers? Freelancers? Complex multi-entity groups? No problem. Hosted onboarding is composable, customizable, and built to match your users, not fight against them.

Easy to use, even especially on mobile

The entire experience is responsive, intuitive, and optimized for mobile. Users can start, complete, and submit their onboarding from a phone just as easily as from a laptop. Whether they’re uploading documents or entering legal details, the flow is designed for real-world usage, wherever and whenever your users are ready.

Benefits of better onboarding

If you’re building an embedded finance product (whether it’s in lending, vertical SaaS, or fintech infrastructure), your onboarding experience is your product. Moov gives you the tools to:

• Control the flow.
• Customize it per use case.
• Speed up time-to-value.
• Improve compliance without adding friction.

All without giving up the trust and user experience you’ve already earned.

One last thought

Onboarding shouldn’t feel like an afterthought. It’s your first impression. It’s your conversion funnel. It’s your compliance workflow. And with Moov, it becomes a strategic asset.

If you’re ready to stop handing off your users and start owning the onboarding journey, let’s talk.