How Qliro Turned Compliance into a Competitive Advantage with Bits
Qliro went live in 2 weeks
Qliro went up and running with the Bits’ product suite within two weeks of signing.
4x faster approvals
Faster approvals (without compromising quality or compliance)
2x
More merchants onboarded with no additional headcount
>50%
reduction in onboarding time for SME merchants
Qliro is a fintech company on a mission to create a world leading experience for merchants and their customers’ journey. But as their merchant base grew rapidly, so did the operational complexity. They needed to scale onboarding without compromising compliance and experience.
With Bits, Qliro introduced automated onboarding, collaborative case handling, and real-time monitoring.
The result? Merchants now go live faster, revenue is unlocked sooner, and Qliro’s internal teams are freed up to focus on growth, not admin.
The challenge
Onboarding at the speed of growth
Qliro was signing more SME merchants than ever, but onboarding couldn’t keep up. Applications arrived from multiple sources. Everything worked, but it didn’t scale. And the cost wasn't just internal. Each day a merchant sat unreviewed was a day of deferred revenue.
Qliro needed to move faster, turning qualified prospects into transacting customers without risking compliance or burdening the team.
The solution
A unified onboarding engine with Bits
Qliro partnered with Bits to redesign their onboarding process from the ground up. In just two weeks, they were live with a custom-built workflow that connected onboarding, case handling, and ongoing monitoring, all in one platform.
Some examples on how Qliro uses Bits:
Onboarding automation
Automated data capture replaces endless forms and fragmented systems. Prospects become customers in minutes, not days. Tailored flows adapt to merchant type and data completeness, fast-tracking approvals for low-risk applicants and dynamically routing complex cases where needed.
Centralized case management
Qliro’s compliance, sales, and legal teams now collaborate in one unified view. No Slack threads. No inbox bloat. No duplicated work.
Ongoing monitoring
Onboarding isn’t the finish line. Bits monitors Qliro’s live merchants for changes in data, compliance status, or risk indicators, giving teams visibility without the manual overhead.
The impact
Speed, scale and simplicity
What used to take days of back-and-forth now happens in a single, intelligent flow.
New merchants are activated faster, meaning they start transacting, and generating revenue, immediately
Operational costs are reduced, with automation handling work that once required hours of human input.
Approval accuracy improves, lowering false positives and helping Qliro say “yes” to more qualified customers without increasing risk.
In Qliro’s Q1 2025 report, CEO Christoffer Rutgersson noted that Bits had more than halved the median time from signing to go-live, unlocking both speed and scalability for their SME and Enterprise onboarding.
What this means for Qliro’s merchants
For Qliro’s SME customers, onboarding is fast, efficient, and designed to get them live, and to value, without delay.
Here’s what merchants experience today:
Effortless new-business intake: Automated data capture means fewer forms, fewer back-and-forths, and a seamless experience from day one.
Lightning-fast activation: Merchants go live in minutes and start transacting (and value) sooner.
Fewer false positives, more approvals: Precision workflows reduce friction.
A premium onboarding experience: Transparent, guided flows build trust and set the tone for long-term relationships.
"To meet increased demand, we are focusing on eliminating bottlenecks and improving the onboarding process for new merchants. Our new partnership with Bits Technology enables this internationally, allowing us to connect new merchants faster both in the Nordics and in future markets. At the same time, we are improving the quality and efficiency of our KYC and credit checks. These improvements have more than halved the median lead time from signing to go-live in the SME segment, with clear improvements also in the Enterprise segment.”
Christoffer Rutgersson, CEO at Qliro
What’s next
Qliro is continuing its expansion across the Nordics - and Bits is built to scale with them.
They’re already exploring new automation paths like onboarding segmentation by geography, merchant type, or transaction volume. And as their teams grow, Bits serves as the infrastructure layer enabling secure, fast, and compliant onboarding at scale.
From signed to live in two weeks
Qliro’s cross-functional team (compliance, legal, dev, sales) worked closely with Bits to go live in just two weeks. No heavy integrations. No internal build burden. Just a system that fits their workflows, and scales with them.
Let’s build the future of onboarding, together
Are you a merchant exploring Qliro? You’ll be in good hands. Enjoy fast onboarding, real-time support, and a partner that moves at your pace. With Qliro, payments become a growth engine - boosting conversion rates, enhancing customer loyalty, and driving profitability.
Learn why Enterprise merchants like Lyko, CAIA, Nelly and SMEs like Hemglass, Flowlife, and Stålhästen choose Qliro here.
