Pinch Payments: 300% Increase in Merchant Onboarding

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About Pinch Payments

Helping businesses get paid faster through automated payments.

Pinch Payments is an Australian payment facilitator serving over 2,000 merchants across Australia and New Zealand. Now part of Fiserv, Pinch helps businesses get paid faster through automated invoice payments, direct debit, and card processing. Its Glassbox platform gives software companies the infrastructure to become payment facilitators themselves.

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Increase in daily merchant onboarding capacity
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KYC turnaround, down from 4 days
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Per onboarding review, down from 30
 
 

"What stood out about FrankieOne was the genuine willingness to collaborate and build something tailored to our business. Within three months we saw a 300% increase in onboarding capacity and cut merchant turnaround from 4 days to under 24 hours."

Felix Tan- Risk and Compliance Manager, Fiserv

The Challenge

Manual compliance that couldn’t keep up with growth.

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Fully manual checks
Fully manual checkEvery merchant required ~30 minutes of hands-on work. Documents chased individually, ASIC reports pulled separately and matched line by line.s
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4-day turnaround

Back-and-forth to obtain documents stretched onboarding to up to four days. No way to confirm whether submitted documents were legitimate.

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Zero visibility

No pass rate data, no automated tracking, no centralised audit trail. A check was “successful” if the merchant handed over documents on the first request.

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Hitting the ceiling
The same repetitive outreach, ASIC lookups, and document matching - repeated for every merchant. At 5 per day, the ceiling was real.
Fintech API Node with Frankieone in Center

The FrankieOne Solution
One platform for KYC, KYB, and AML.

FrankieOne gave Pinch a single provider covering KYC, KYB, AML/CTF screening, sanctions and PEP checks, beneficial ownership reporting, and credit checks -  all through one API integration embedded directly into the Glassbox merchant onboarding workflow.

 

Key Capabilities Delivered

From manual gatekeeping to automated infrastructure.

Automated KYC & KYB at registration

Primary checks run automatically at the point of registration, replacing manual document collection and line-by-line ASIC matching.

Beneficial ownership & UBO reporting

Reports pinpoint exactly what documentation is required, replacing guesswork with precision. No more manual cross-referencing.

Embedded sanctions & PEP screening

Runs automatically as part of the onboarding workflow - no separate process, no manual checks, fully auditable.

Exception-based compliance

The team shifted from processing every application to reviewing exceptions and higher-risk merchants only.

Multi-jurisdiction from day one

A single integration that lets Pinch switch on new markets without rebuilding workflows or onboarding separate vendors. acceptance thresholds based on actual data, not assumptions.

Looking ahead

Compliance infrastructure built for scale.

Automated identity verification, KYB, AML screening, and beneficial ownership checks are now embedded directly into Glassbox. The same integration that powers compliance in Australia can be switched on for new markets without rebuilding workflows or onboarding new vendors. As Pinch expands, the compliance layer scales with it.

Ready to scale without friction?