Overview
Tesorio Pay brings the entire cash lifecycle into one ecosystem — from invoice to payment to reconciliation — with good rates, faster cash flow, and full visibility.
Tesorio Pay allows you to process customer payments directly through Tesorio's Payment Portal using our integrated payment processing partner's workflow. Once enabled and activated, payments can be routed through Tesorio Pay at your agreed-upon rate.
Step 1: Enable Tesorio Pay
Tesorio Pay must be enabled by your CSM before it can be activated and used.
If you are an existing Payment Portal customer using Stripe, Tesorio can seamlessly migrate your account to Tesorio Pay. Please inform your Customer Success Manager (CSM) so they can provide additional details.
Once enabled, Tesorio Pay becomes available for activation by navigating to Administration > Subsidiaries > Portal Settings > Payment Settings.
To begin the activation flow, select Configure under Tesorio Pay.
Enter your business’s phone number and industry. If you’re unclear about which Industry code to input, you can use this resource as a reference.
Click Start Onboarding to launch our partner’s secure, hosted onboarding flow. You’ll be prompted to enter business details required to establish your company as a legal entity on the payment rails.
The onboarding link is valid for 4 minutes. If it expires, you can easily generate a new link.
The onboarding workflow opens in a new browser tab and guides you step by step through the information needed to activate Tesorio Pay.
Step 2: Business Setup
When you select Start Onboarding, an onboarding workflow will open on a new tab where you will be guided through several sections to activate. All required fields must be completed.
Business Description
Describe how your business is set up.
Select one and press Continue:
Sole proprietorship
Company
Partnership or association
Account Setup
Account Setup will require you to submit details about your business, bank account information, and disclosure signing. You'll review and submit these steps individually one by one as you are guided through the onboarding process.
Business Details
Business Details
Basic Details
Provide the following:
Country/region of establishment
Legal business name
Employer Identification Number (EIN)
State of registration
State registration number (optional)
Company Structure
Select one:
Private company
Public company
Non-profit or charitable organization
Government organization
Additional Business Details
DBA name (if applicable)
Registered business address
Principal place of business
Tax Documentation
Upload an official tax document that includes:
Legal business name
Employer Identification Number (EIN)
Review Summary
A summary panel allows you to review and edit all business information before continuing. Review your information and submit to move on to the next step.
Decision Makers & Identity Verification
Decision Makers & Identity Verification
You must designate individuals in the following roles:
Controlling Person (at least one required)
Owners (all individuals owning 25% or more must be listed)
Signatory (at least one required)
Select + Add decision-maker to add the appropriate individuals.
The onboarding flow will guide you through a series of questions to determine whether each person is also an owner or an authorized signatory, ensuring all requirements are met.
Each individual must complete identity verification. This can be done by:
Uploading a photo or scan of a valid government-issued ID
Entering details manually
Automatic verification uses Onfido, which is referenced directly within the onboarding flow.
Once you've added your decision-makers, you'll have the opportunity to review the information before submission.
Customer Support Contact Information
Customer Support Contact Information
You will be asked to provide a general support email and/or phone number.
This information is used only for setting up your Tesorio Pay account. Customer-facing receipt and payment messaging continues to be managed within Tesorio’s Payment Portal settings.
Bank Account Details
Bank Account Details
To receive payouts, connect a bank account and provide:
Bank country/region
Routing number
Account number
Verification Method
Choose one:
Instant verification via mobile banking app or website (via Plaid)
Manual verification by uploading a bank statement (may take a few days)
Select your verification method, press Continue, and follow the verification steps.
Once connected, a summary panel allows you to review and edit bank details before submission.
Legal Disclosures & Agreements
Legal Disclosures & Agreements
Once your banking and business information is submitted, you can sign your disclosures by selecting a signatory from your decision-maker step. These documents are also available for download.
PCI DSS Questionnaire
This questionnaire is used to assess the risk profile of sub-merchants processing payments through Tesorio Pay.
No responses are required. Completion is achieved through attestation by signature only.
Tesorio and its partners process payments in a secure digital environment. End-user payment methods are tokenized and encrypted and are not visible to Tesorio or your team. Tesorio has also completed multiple rounds of risk profiling with our partners, with layered controls in place to mitigate risk throughout the payment process.
Digital Services Agreement
You will be prompted to review and accept the partner’s terms and conditions. Acceptance is completed via electronic signature.
Step 3: Activation & Account Status
Once all information is submitted, it is automatically sent to Tesorio’s partners for verification.
Select Back to return to Tesorio and monitor your account status.
Tesorio Pay States
You can see the current state of Tesorio Pay by navigating back to the onboarding flow Administration > Subsidiaries > Portal Settings > Payment Settings.
Ready to process payments: Onboarding has finished and the account is ready to process payments via Tesorio Pay
Onboarding in progress: Onboarding started but has not finished yet
Not configured: Ready to start onboarding
Internal configuration missing: Contact support@tesorio.comComing soon: Not available for this subsidiary at this moment (for example, unsupported country/currency)
Step 4: Taking Payments with Tesorio Pay
Once your status is Connected, you can begin using Tesorio Pay.
Mark Tesorio Pay as Active in your settings (Administration > Subsidiaries > Portal Settings > Payment Settings)
Payments will route through Tesorio Pay at the agreed-upon rates
Important clarification:
Connected means your account is approved and ready
Active means you are actively processing payments
Tesorio Pay cannot be set to Active unless it is first Connected.