Qliro uses Bits to streamline onboarding, automate compliance, and scale merchant growth
Qliro is a fintech company on a mission to make payments and financing easier for small and mid-sized merchants across the Nordics. But as their merchant base grew rapidly, so did the operational complexity. They needed to scale onboarding without compromising compliance, and they needed to do it fast.
With Bits, Qliro built a streamlined onboarding flow, introduced automated risk scoring, and created a more efficient way for teams to collaborate on merchant applications. Since implementation, they’ve onboarded [XX]% more merchants, cut onboarding time significantly, and freed up hours of manual compliance work each week.
The challenge
Qliro was growing fast but onboarding couldn’t keep up.
As Qliro signed more SME merchants, their internal teams found it harder to manage each step of the onboarding process. Applications came in from different sources. Risk checks were handled manually. Compliance reviews often stalled in email threads or spreadsheets. Everything was functional, but slow and difficult to scale.
The pressure wasn’t just operational. Each day an application sat unreviewed was a delay in revenue. Qliro needed a better way to move fast, stay compliant, and onboard merchants at the pace their growth demanded.
The solution
A fully connected onboarding and compliance engine, powered by Bits.
Qliro partnered with Bits to overhaul how merchants were onboarded and managed. In just two weeks, they went live with a custom-built workflow that connected onboarding, risk assessment, and case management in a single platform.
Today, every new merchant application flows through Bits’ onboarding engine, where logic-based flows automatically route applications, trigger checks, and surface the right data to the right team at the right time. Here's how Qliro uses Bits:
Onboarding automation
Every merchant starts their journey in a tailored onboarding flow. The process adapts based on risk level, data completeness, and business profile meaning fast-tracked approvals for low-risk merchants, and more thorough review paths where needed.
Case management
Once an application is submitted, Qliro’s compliance, sales, and legal teams work collaboratively inside Bits. All merchant data is centralized in a single case view. No more Slack threads, scattered spreadsheets, or inbox overload.
Dynamic risk scoring
Bits automatically calculates a risk score for every merchant, based on company data, documentation, registry lookups, and other external signals. Risk scoring isn’t a final step, it informs decisions in real time, throughout the entire flow.
Ongoing monitoring
Onboarding is just the beginning. Bits continuously monitors Qliro’s merchant base, surfacing changes in risk profile, expired documentation, or compliance red flags helping the team stay proactive, not reactive.
The results
Faster onboarding. More merchants. Less manual work.
What used to take days of back-and-forth between teams is now handled in a single, streamlined flow. By automating repetitive tasks and surfacing the right data at the right time, Qliro’s teams spend less time chasing information and more time making smart, informed decisions.
2 weeks
From sign to live
Y
Hours of manual work saved weekly
Y
New merchants onboarded
X%
Increase onboarding speed
From 0 to live in two weeks
Implementation doesn’t have to be a six-month project.
Qliro’s team (including compliance, dev, legal, and sales) worked closely with Bits to define a custom onboarding workflow. The setup took just two weeks. No heavy integrations. No complex internal tools to maintain.
Thanks to Bits’ modular design and flexible APIs, Qliro now has a system that’s fully aligned with their processes and ready to evolve as the business grows.
“Before Bits, onboarding could feel like a bottleneck. Now, it’s one of our strengths. We can move quickly, make decisions based on real data, and stay fully compliant without slowing down.”
[Name, Title at Qliro]
What’s next
Qliro is continuing to grow its presence among SME merchants across the Nordics. With Bits, they have a platform that scales with them, providing real-time data, operational efficiency, and the flexibility to meet new regulatory demands as they emerge.
They’ve already started exploring new automation paths, like onboarding segmentation by geography, industry type, or transaction volume. And as the product team expands, they’re relying on Bits not just as a vendor but as a strategic infrastructure layer for risk and compliance.
Let’s build the future of onboarding, together
Looking to transform how you onboard customers, manage compliance, and scale operations? Bits can help.
