Power Apps for Payments: Merchant Onboarding, Exception, and Operational Apps

Most operational workflows at a payments company don't fit the processor platform. Merchant onboarding with KYB (Know Your Business), beneficial ownership verification, MCC assignment review, and underwriting decisions runs on a patchwork of tools. Exception handling for authorization retries, settlement mismatches, and scheme-side exceptions runs on email and spreadsheets. Dispute case management outside what the processor tracks natively lives in various tools. Vendor oversight for BIN sponsors, processor relationships, and partner management runs in spreadsheets. Compliance case management for BSA/AML investigations lives in specialty tools or spreadsheets. Each is an operational workflow with audit trail requirements that examiners ask about — and none justify dedicated software purchase.

Payments Power Apps done right addresses these operational gaps. Merchant onboarding apps with KYB integration (Middesk, Alloy, Persona, Socure), beneficial ownership capture, MCC review, and underwriting decisioning. Exception handling apps with settlement mismatch resolution, authorization retry orchestration, and scheme-side exception workflow. Dispute case management extending processor capability. Vendor oversight with BIN sponsor, processor, and partner tracking. BSA case management with investigation workflow. Each built with the audit trail PCI, BSA, and scheme examination expects, integration with the processor platform where appropriate, and the simplicity operations staff will actually use.