Merchant Activation Readiness Capability

Merchant account management is visible with identity, organization, configuration, compliance, operations, and financial readiness context.

Profile readiness is display-only and does not edit, approve, activate, or mutate merchant records.

Compliance readiness is represented through KYB, KYC, AML, sanctions, business model, restricted business, and evidence posture.

Compliance posture remains human-reviewed and does not run KYB, KYC, AML, or sanctions checks.

Provider posture is visible across Stripe pilot, Orange Money, MTN, M-Pesa, bank API, FX, and card processor readiness.

Provider readiness does not call providers, create accounts, activate credentials, or enable production execution.

Monitoring, incident response, support, runbook, refund support, settlement observation, escalation, and evidence capture are visible.

Operations readiness is visibility-only and does not create tickets, mutate workflows, or execute refunds.

Settlement observation, payout posture, ledger posting posture, balance write posture, reconciliation readiness, and CFO review are surfaced.

Treasury readiness does not move funds, execute payouts, post ledger entries, write balances, or release settlements.

Security hardening, trust center context, operational security posture, and evidence capture standards are connected.

No credentials, secrets, raw payment data, cardholder data, or sensitive PII are exposed.

Customer and merchant experience readiness includes success pages, cancel pages, support paths, trust content, and communication posture.

Customer experience readiness does not mutate customer records, trigger communications, or claim fulfillment or settlement completion.

CEO, CFO, COO, CTO, CISO, Commercial, and Compliance approval context is displayed for human review.

Executive approval readiness does not record approvals, change statuses, or activate merchants.

Merchant profile fields are represented through the Merchant Account Management Capability.

No profile edits or merchant mutations are performed.

Business profile visibility exists for human review across legal entity, segment, website, industry, and operating regions.

No business profile approval or rejection is executed.

Compliance readiness can be reviewed across KYB, KYC, AML, sanctions, audit, evidence, and risk posture.

No external compliance screening or regulated decisioning occurs.

Provider activation dependencies are visible without invoking provider APIs.

No provider onboarding, credential activation, or provider execution occurs.

Webhook observability and receipt persistence posture are available from existing production evidence surfaces.

No webhook configuration or provider runtime behavior is changed.

Refund support readiness is visible as an operational support and evidence readiness concern.

No refund execution is enabled or triggered.

Settlement observation remains an explicit precondition before external controlled activation.

No settlement execution or ledger posting is enabled.

Support escalation posture is represented through operations and support platform readiness.

No support ticket or workflow is created by this page.

Executive go/no-go review remains required before controlled activation can be considered.

No approval execution, status mutation, or activation occurs.

KYB readiness is represented for compliance owner review.

No KYB execution or merchant approval occurs.

KYC readiness is visible as a human-reviewed control.

No KYC execution or identity verification call occurs.

AML readiness is advisory and connected to compliance posture.

No AML monitoring provider is called.

Sanctions readiness is displayed for compliance review.

No sanctions screening or regulated decision is performed.

Business model review remains a pre-activation compliance control.

No automated approval or rejection is executed.

Restricted business review is visible as a human-owned readiness gate.

No restricted business decision is automated.

Evidence package posture is connected to existing audit and documentation surfaces.

No raw provider payloads or sensitive evidence are exposed.

Compliance owner review is required before controlled activation can progress.

No compliance decision or approval status is mutated.

Stripe controlled pilot evidence is visible as an existing production readiness input.

No Stripe API call, PaymentIntent, Checkout Session, or refund is created.

Orange Money readiness remains provider-review context.

No Orange Money provider execution or credential activation occurs.

MTN readiness remains provider-review context.

No MTN provider execution or credential activation occurs.

M-Pesa readiness remains provider-review context.

No M-Pesa provider execution or credential activation occurs.

Bank API readiness remains a future partner readiness input.

No bank API calls, transfers, account creation, or treasury movement occur.

FX readiness is displayed as a future execution prerequisite.

No FX quote, conversion, or provider execution occurs.

Card processor readiness is connected to existing Stripe controlled pilot evidence.

No card processing or payment execution is initiated.

Provider blockers remain visible for executive and operations review.

No blocker is cleared or mutated by this readiness surface.

Provider approval remains required before controlled activation can move forward.

No production activation or credential exposure is performed.

Monitoring readiness is connected to production operations posture.

No monitoring configuration is changed.

Incident response readiness is visible for operations review.

No incident workflow is created.

Support readiness is represented through support platform context.

No support ticket or customer message is sent.

Runbook readiness is visible for controlled activation review.

No operational workflow is mutated.

Refund support readiness is displayed as a support and evidence readiness control.

No refund execution occurs.

Settlement observation remains a watch item for operations and CFO review.

No settlement is executed or released.

Escalation readiness is represented for operational review.

No escalation record or notification is created.

Evidence capture readiness is aligned with durable evidence and audit storage posture.

No raw payment payloads, secrets, or sensitive PII are exposed.

Settlement observation status is visible as a controlled activation precondition.

No settlement execution occurs.

Payout posture remains blocked until treasury and executive controls approve.

No payout execution occurs.

Ledger posting posture remains blocked in this capability.

No ledger entries are written.

Balance write posture remains blocked.

No wallet, balance, or treasury mutation occurs.

Reconciliation readiness is displayed as a future execution control.

No reconciliation writes or accounting entries are created.

CFO review is required before any treasury-sensitive activation step.

No CFO approval is recorded or executed.

Treasury stop conditions are visible for controlled activation governance.

No stop condition is resolved or overridden by this page.

Merchant Success Platform readiness is connected for commercial and support context.

No merchant activation or revenue workflow is executed.

Customer Experience Platform readiness is connected for customer-safe purchase and support context.

No customer mutation or communication workflow is triggered.

Production checkout success pages are available for customer return paths.

No payment status is inferred from unsafe query parameters.

Production checkout cancel pages are available for customer return paths.

No checkout session is created or retried from this surface.

Support experience readiness is visible for merchant and customer journeys.

No support ticket or outbound notification is created.

Trust, security, privacy, and compliance content is available for review.

No credentials, secrets, card data, or sensitive PII are exposed.

Customer communication readiness is a human-reviewed pre-activation control.

No email, SMS, push, or customer communication is sent.

CEO approval is required for controlled activation.

No CEO approval is recorded by this capability.

CFO approval is required for treasury and financial controls.

No CFO approval or treasury action is executed.

COO approval is required for operating readiness.

No COO approval or operations workflow is executed.

CTO approval is required for technical readiness.

No CTO approval or runtime change is executed.

CISO approval is required for security posture.

No CISO approval or security policy mutation is executed.

Commercial approval is required for pilot merchant readiness.

No commercial approval or merchant activation occurs.

Compliance approval is required before controlled activation.

No compliance approval, rejection, or regulated decision occurs.

Visible decision states: GO, GO WITH CONDITIONS, NO-GO.

The current recommendation is advisory and cannot approve or activate a merchant.

Compliance readiness must be human-reviewed before activation.

No compliance gate is bypassed by this page.

Provider readiness must be resolved before controlled activation.

No provider blocker is overridden.

Security readiness is required before activation.

No security control is mutated.

Support coverage must be ready before controlled activation.

No support workflow is created or bypassed.

Treasury and settlement observation posture must be accepted.

No payout, settlement, ledger, balance, or treasury movement occurs.

Executive approval is required before controlled activation.

No approval is recorded or inferred.

Evidence must be complete before go/no-go review.

No evidence artifact is created, changed, or exposed.

Risk acceptance must be explicit and human-owned.

No autonomous risk acceptance or regulated decisioning occurs.

Review the full enterprise operating ecosystem context.

Review merchant success, support, revenue, and growth posture.

Review upstream onboarding readiness and evidence.

Review post-onboarding account management readiness.

Review post-activation operations readiness without executing operations.

Review executive go/no-go posture and approval dependencies.

Review the executive control center that aggregates readiness evidence before any future merchant activation.

Review customer-safe checkout, support, and trust posture.

Review KYB/KYC, AML, sanctions, restricted business, policy, evidence, and regulated-decision blockers before activation.

Review support, incident, monitoring, and runbook readiness.

Review provider readiness and blockers without execution.

Review security, privacy, and trust evidence.

Review executive PMO milestones, blockers, and dependencies.