Here is the end-to-end flow from account creation through receiving your first payout.
Your Swipe Aras account is created by your reseller or account manager. At this point, your account is in Pending status and no payments can be processed yet.
Your API keys are usable as soon as you create them — onboarding status does not affect authentication. However, certain operations like processing payments may return errors until your merchant account is fully provisioned.
You receive a secure, time-limited link to the hosted onboarding portal. There you submit your business bank account details and any required identity or compliance documents. This step is managed by Adyen on our behalf.
Swipe Aras reviews your submitted information. If everything checks out, your account is approved and moved to Active status. Your balance account is activated and your payout sweeps are created automatically.
Your stores are live. Customers pay through your checkout integration (in-person or online). Each payment flows through the Swipe Aras platform, is processed by Adyen, and funds are held in your store's balance account.
On your settlement schedule (T+N days after capture), funds sweep from your balance account to your verified bank account. Payout statuses update in real time and are visible in your dashboard.
Monitor transactions, respond to disputes, pull reports, and manage your stores from the dashboard — or automate everything via the Swipe Aras API.
Swipe Aras operates on Adyen's Balance Platform. This means:
You are the Account Holder on Adyen's infrastructure (via Swipe Aras)
Your stores have balance accounts where funds accumulate
Your bank account is the Transfer Instrument that receives payouts
Swipe Aras manages compliance, KYC, and the Adyen relationship on your behalf
You never need to interact with Adyen directly.
