How it works
Four steps from idea to ready for payments.
Phase 1 gets you set up, organized and ready. Live payment processing activates only after secure identity verification.
Choose your merchant path
Individual / sole proprietor, registered business, or aspiring entrepreneur. Each path asks only for what applies to you.
- Full legal name & contact details
- Business or trading name if you have one
- State and country
Create your free account
A secure email and password sign-in with verification by one-time code. Nothing is charged and no financial products are opened.
- Email verification code
- Password reset available anytime
- Two-factor authentication supported
Open your merchant dashboard
Your private workspace: merchant account ID, business profile, setup progress, verification status and simulated activity.
- Unique merchant account ID
- Setup checklist & progress
- Isolated account data
Prepare your payment tools
Generate payment links and share checkout previews in demonstration mode. Balances and transactions are simulated and clearly labelled.
- Payment links with reference codes
- Checkout preview & confirmation
- Visa, Mastercard, FlowMoney, crypto, Lightning
Demonstration mode. FM Merchant does not process real payments, hold funds or initiate transfers in Phase 1. Every balance, transaction and checkout shown in the platform is simulated.