Opening the door to new merchants. How mElements rebuilt its B2B onboarding

While much of the B2B market still relies on manual document checks, mElements built a secure, fully automated verification flow to onboard merchants from marketplace platforms onto its payment gateway, Paynow.

mElements is part of the mBank Group, one of the largest digital banks in Central and Eastern Europe.

As mBank’s e-commerce technology arm, it develops solutions for online payments, with Paynow as its flagship product.

The company is now expanding beyond its traditional base with digital-first onboarding.

Marcin, let's start with the big picture. mElements is the technological arm of mBank, but your flagship product, Paynow, has taken on a life of its own in the e-commerce market. What was your main motivation for seeking a new identity verification tool?

Initially, we relied mainly on our base of existing mBank corporate clients. Two years ago, we made the strategic decision to open up to the broader external market. We started building processes to acquire new clients operating on marketplace platforms.

Naturally, that meant we had to find a secure, reliable way to positively verify these new merchants and their representatives from scratch, which led us to look for a specialized identity verification partner.

When you started looking for a solution, what were your non-negotiables?

We had two options: build a digital flow, or require a human to verify documents in a physical branch. The physical option obviously completely contradicted the digital nature of our business.

During our market analysis, you were the only entity that met our strict regulatory requirements regarding data processing. But we also wanted to maintain an agile tech architecture and avoid the heavy legal complexities. Authologic fit that model.

How does this digital process actually look for the end user today?

We've launched it primarily for clients on marketplace platforms, and from the user's perspective, it's very fast. A new merchant goes through the sales path, and when it’s time for identity verification, the Authologic integration smoothly kicks in.

How has the market responded to this onboarding flow? Are you seeing tangible feedback from your partners?

Yes, we get direct feedback from key e-commerce partners, especially when onboarding sellers for large marketplace projects.

When you look at how the broader market handles B2B onboarding, the difference is clear. In many solutions, clients still have to scan their ID cards and send them by email. As our partners have pointed out, the fully digital, automated loop we've built is a completely different standard.

Let's talk about the backend. What did the integration look like from a technical and engineering standpoint?

Here, I can only speak in superlatives. Any questions or minor issues that popped up were resolved by your team immediately. We also highly value the Sandbox environment, which allowed our developers to click through, test, and perfect everything before we went live in production.

mElements also adopted OmniPanel, Authologic’s dashboard. Where does that fit into your operations?

We recently started using it to handle minor edge cases that sit slightly outside our main automated flow. OmniPanel allows our team to manually generate verification links and send them directly to clients.

Looking ahead, what is the next step for mElements regarding identity verification?

We are very forward-looking when it comes to new technologies. We’ve already tested integrations with state-provided digital identity apps in your Sandbox, so we’re ready from a technical standpoint.

Right now, we are simply monitoring the evolving regulatory landscape. As soon as the framework fully opens up to allow commercial integrators in our specific model to utilize these government tools, we are prepared to launch them immediately.

We’re also tracking the EU Digital Identity Wallet (eIDAS 2.0) and other European standards. We expect our verification volumes to grow significantly in the coming months, and we have the foundation in place to support that.

We will keep a close eye on those developments alongside you. Marcin, thank you for sharing these insights!