Onboarding Agent (Credit Card/Payments Gateway/Fintech)

Black Pen Recruitment; Cape Town; On-site; ZAR 180,000 - 300,000; Full time

Job summary

Black Pen Recruitment seeks an Onboarding Agent (Credit Card/Payments Gateway/Fintech) in Cape Town to guide new merchants through onboarding, verify information, and complete due diligence. You will maintain records for approval and integration, handling merchant communication and compliance administration.

The role emphasizes document verification, risk referrals, and training Back Office functions, with a focus on accuracy, confidentiality, and timely handovers to other teams.

Qualifications

• Grade 12 or equivalent
• Diploma or equivalent experience in merchant onboarding or customer due diligence
• 1-2 years’ experience in onboarding, KYC/KYB, or FICA admin

Responsibilities

• Manage onboarding applications from Commercial handover and check document completeness
• Verify business registrations, addresses, activities and licences
• Identify and verify ultimate beneficial owners
• Complete sanctions/PEP/adverse media screening and refer findings to Risk/Compliance
• Prepare due diligence packs for approval and handover to Integration
• Capture verified business and banking information for verification
• Keep merchants and internal teams informed and coordinate handovers to Integration/Customer Support
• Protect personal and merchant information and improve onboarding processes

Skills

Attention to detail

Organised

Written communication

Education

Grade 12 / National Senior Certificate

Diploma in Business Administration / Banking / Financial Services

Tools

Microsoft Excel

Job description

Onboarding Agent (Credit Card/Payments Gateway/Fintech)

Our client is an innovative fintech company transforming the payments landscape through cutting-edge financial technology solutions. Specialising in instant EFT payments, Open Banking integration, seamless payout processing, and comprehensive reporting tools, the company enables businesses to streamline transactions and improve cash flow management. With a focus on mobile-first technology, enterprise-grade security, and reliability, our client delivers secure, efficient, and scalable payment solutions designed to meet the evolving needs of modern businesses.

Role Overview

Our client is seeking a detail-oriented Onboarding Agent to guide new merchants through its payment gateway onboarding process. You will verify business information, complete due diligence checks and maintain accurate records so that applications are ready for approval and integration.

This role combines merchant communication, document verification and compliance administration. You will keep applications moving, provide Back Office training and refer risk, compliance and specialist decisions to the appropriate teams.

Job Type: Full Time/Permanent

Location: Cape Town

Workplace: Onsite

Requirements

• Grade 12 / National Senior Certificate or an equivalent NQF Level 4 qualification.


• A relevant diploma in Business Administration, Banking, Financial Services or a related field, or equivalent relevant experience in merchant onboarding or customer due diligence.


• 1-2 years’ experience in merchant or client onboarding, KYC/KYB or FICA administration, compliance administration, or a banking, financial services or payments back office.


• Intermediate Microsoft Excel skills and experience using structured checklists and electronic records.

Knowledge and experience that would be advantageous

• A relevant NQF Level 5 or 6 qualification in business administration, finance, compliance, risk management or law.


• Training in FICA, anti-money laundering, customer due diligence, KYC/KYB, sanctions screening or POPIA.


• Experience in a fintech, payment service provider, acquiring bank or bank merchant services team.


• Experience verifying beneficial ownership, using screening tools or onboarding businesses requiring licences or regulatory authorisation.


• Knowledge of Merchant Category Codes (MCCs), payment methods and merchant onboarding systems.

The person we are looking for

An organised, accurate and accountable individual with strong attention to detail and professional written communication. You should be comfortable managing several applications, following up persistently and raising concerns early. Sound judgement, confidentiality and the ability to maintain required checks under pressure are essential.

Key responsibilities

• Manage onboarding applications from Commercial handover, check document completeness and follow up on outstanding information.


• Verify business registration, addresses, activities and applicable licences, together with the identity and authority of directors and representatives.


• Identify and verify ultimate beneficial owners, including those within complex ownership structures.


• Complete sanctions, politically exposed person and adverse media screening, record supporting evidence and refer findings to Risk and Compliance.


• Prepare complete due diligence packs for approval and confirm that approval conditions are met before handover to Integration.


• Capture verified business, contact and banking information, and submit banking details for independent verification.


• Keep merchants and internal teams informed of progress, provide Back Office training and coordinate complete handovers to Integration and Customer Support.


• Protect personal and merchant information, maintain accurate records and help improve onboarding checklists, guidance and processes.