Merchant Activation and Upsell Automation

• Head of Merchant Growth
• Activation and Onboarding Success Manager
• Key Account Manager Lead
• Growth Marketing Manager

Signing a merchant is not the same as processing their payments. Many stall between KYC approval and the first live transaction: API keys never used, a plugin half-installed, webhooks failing in sandbox. Later, active merchants who would benefit from payment links, QR, subscriptions or faster settlement never hear about them at the right moment.

We build an activation and upsell engine that reads merchant lifecycle signals from your onboarding system, dashboard analytics, API logs and transaction data. It places each merchant at a stage, such as KYC pending, keys generated, sandbox errors or live with no volume, and identifies the most likely blocker. An LLM drafts a message for that blocker from your approved content library: the right plugin guide, the specific webhook error explained, or a link to book integration help. Messages go out over WhatsApp, email or SMS within opt-in and template rules, and high-value merchants go to an account manager with a briefing instead. Upsell prompts follow behaviour, not a calendar.

• Lifecycle staging from onboarding, dashboard, API log and transaction signals
• Blocker detection for KYC gaps, sandbox errors, plugin issues and zero-volume live accounts
• Message drafting from an approved content library in English, Hindi and Hinglish
• WhatsApp, email and SMS delivery within opt-in, DND and template rules
• Account manager briefings for high-value or stuck merchants, pushed to your CRM
• Behaviour-based prompts for payment links, QR, subscriptions, payouts or faster settlement

1. 01Collect lifecycle signalsOnboarding status, dashboard logins, API calls, error logs and transaction volumes are pulled daily for each merchant.
2. 02Stage and diagnoseEach merchant is given a lifecycle stage and a likely blocker or opportunity.
3. 03Choose the routeRules decide between an automated message and an account manager task, based on merchant value, consent and past responses.
4. 04Draft from approved contentThe LLM writes a specific message using only approved snippets, links and offers.
5. 05Send or briefMessages go out within consent and template rules, or the account manager receives a briefing in the CRM.
6. 06Track and tuneReplies, integration progress and first transactions are tracked, and stage rules are tuned with your growth team.

1. Signals
   • Onboarding system events
   • Dashboard product analytics
   • API gateway and webhook error logs
   • Transaction volume by merchant
2. Decisioning
   • Lifecycle stage rules
   • Blocker and opportunity classifier
   • Channel, consent and frequency rules
3. Content
   • Approved content library
   • LLM message drafter with brand and policy checks
4. Delivery
   • WhatsApp Business API
   • Email and DLT-registered SMS gateways
   • CRM task creation
5. Measurement
   • Activation and reply tracking
   • Experiment log for test and control groups

Your growth team approves the content library, offers and stage rules, and account managers personally handle every high-value merchant. Any credit offer from a lending partner is sent only with content approved by that partner and your compliance team.

• Merchant onboarding and dashboard database
• Product analytics such as Mixpanel, CleverTap or Amplitude
• API gateway logs
• WhatsApp Business API, email and DLT-registered SMS providers
• Salesforce, HubSpot, Zoho or LeadSquared CRM

• Messages built only from approved snippets, links and offers, with no invented pricing or features
• Consent, opt-out and DND checked before every send
• Frequency caps per merchant across all channels
• Credit offers held until compliance-approved content and lender disclosure are in place
• Opt-out requests honoured across every channel straight away

• SMS and voice outreach follow TRAI commercial communication rules, including DLT-registered headers and templates.
• Merchant contact data processed for a stated purpose with opt-out, in line with the DPDP Act 2023.
• Lending-partner offers carry disclosures consistent with RBI's digital lending guidelines and stay under compliance control.

• Fintech & Payments

  Merchant Onboarding KYC Verification

  Read merchant KYC packs, cross-check PAN, GSTIN, bank proof and the merchant's website, and give risk analysts a ready-to-decide file with every check explained.

• Fintech & Payments

  Support Voice Agent for Failed Payments and Refunds

  A Hindi, English and Hinglish voice agent that finds debited-but-failed UPI and card payments, explains reversal and refund status from live data, and raises or escalates tickets.

• Capital Markets & Wealth Management

  Dormant Trading Account Re-Activation Campaigns

  Find out why trading accounts went dormant, fix KYC and access blockers first, and run consent-based, compliance-approved journeys that bring clients back without tips or inducements.

• Banking

  Cross-Sell Lead Scoring and Personalised Outreach

  Score existing customers for products they are likely to need from consented banking data, and draft compliant, personalised outreach that relationship managers review before sending.