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Demo Matrix

Each case shows a live preview of the checkout screen it lands on. Use Expand for a fullscreen quick view, or Open demo to walk through the flow.

Ready — matches business intent for demo
Deviation — demoable but differs from production target

Start here — Sign in

How merchants and ISO partners authenticate before checkout. Demo uses prefilled email and OTP code 123456.

Merchant sign-in (prefilled OTP)

Ready

Merchant · Land on: Authentication

Meeting #14 — email OTP

Live preview
What to look for
  • Prefilled demo email
  • Code 123456 skips to wizard
  • No real Twilio in mock

/checkout?demo=merchant-auth&step=authentication

ISO sign-in (prefilled OTP)

Ready

ISO · Land on: Authentication

Meeting #13 — OTP to merchant in production

Live preview
What to look for
  • Same auth UI as merchant
  • ISO expanded flow after sign-in

/checkout?mode=iso&demo=iso-auth&step=authentication

Merchant — Standard checkout

Normal post-offer path: link bank, accept terms, then continue through verification, documents, and contract.

Full checkout (all wizard steps)

Ready

Merchant · Land on: Authentication

Preview UI spec — merchant walkthrough

Live preview
What to look for
  • Step 1: Bank + IDV → Step 2: Accept terms + payment day
  • Verify business → documents → contract sign → success

/checkout?demo=merchant-full-wizard&step=authentication

Direct referral — bank already done

Deviation

Merchant · Land on: Bank & Identity

target-flow — direct happy path

Live preview
What to look for

Demo deviation: Target skips business + documents when JSON has no flags. Demo still shows all steps.

  • Green completed summary on bank step
  • Still walks business, documents, contract

/checkout?demo=merchant-direct-happy&step=bank

Bank + IDV already completed

Ready

Merchant · Land on: Bank & Identity

Gap-fill spec — preapp flags

Live preview
What to look for
  • Green checkmarks for bank + IDV
  • Continue to Accept Terms step

/checkout?demo=merchant-preapp-complete&step=bank

Connect bank & identity (Step 1)

Ready

Merchant · Land on: Bank & Identity

Meeting #3 — bank + IDV on first wizard step

Live preview
What to look for
  • Mock Plaid connect progress
  • IDV verify button after bank
  • SP preapp flags show completed state

/checkout?demo=merchant-bank-idv&step=bank

Accept offer terms (Step 2)

Ready

Merchant · Land on: Accept Terms

Meeting #7 — payment day on accept terms

Live preview
What to look for
  • Funding summary + weekday chips
  • Terms acceptance on dedicated step

/checkout?demo=merchant-bank-terms&step=financing

Merchant — Verify identity & business

When underwriting finds mismatches across submission, bank, and diligence sources — merchant confirms, not free-types.

Business name mismatch — pick source

Ready

Merchant · Land on: Verify Business

Meeting #2 — select among sources

Live preview
What to look for
  • Radio: Submission vs Base Layer name
  • EIN locked — not editable

/checkout?demo=merchant-business-verify&step=business

Business address mismatch — pick source

Ready

Merchant · Land on: Verify Business

Meeting #2 — address confirmation

Live preview
What to look for
  • Application vs bank address radio
  • Mobile OTP verification required

/checkout?demo=merchant-address-verify&step=business

Plaid identity verification

Ready

Merchant · Land on: Bank & Identity

Meeting #3 — IDV on bank step

Live preview
What to look for
  • Bank already linked (SP flag)
  • IDV verify button on Step 1
  • Mock verify progress

/checkout?demo=merchant-idv&step=bank

Merchant — Documents & underwriting

Upload required documents, respond to underwriter comments, and wait for approval before signing.

Upload STIPS & personal guarantee

Ready

Merchant · Land on: Upload Documents

Meeting #6 — conditional STIPS

Live preview
What to look for
  • Action required / in review / approved sections
  • PG template download + upload

/checkout?demo=merchant-documents&step=documents

Reply to underwriter on a document

Ready

Merchant · Land on: Upload Documents

Meeting #11 — batch reply per line

Live preview
What to look for
  • Proof of Business UW comment
  • Submit reply — not live chat

/checkout?demo=merchant-stips-reply&step=documents

Submit docs → underwriting review

Ready

Merchant · Land on: Upload Documents

Meeting #17 · demo-vs-target scenario 3

Live preview
What to look for
  • Submit for Underwriting Review button
  • Lands on awaiting review — no contract sign

/checkout?demo=merchant-docs-awaiting-review&step=documents

Waiting for contract (underwriting)

Ready

Merchant · Land on: Underwriting Review

Meeting #17 — contract gate

Live preview
What to look for
  • Application under review copy
  • Email when ready messaging
  • Back to documents only

/checkout?demo=merchant-awaiting-review&step=awaiting-review

Merchant — Contract & funding

Review funding terms, payment schedule, and sign the agreement to complete checkout.

Review & sign funding contract

Ready

Merchant · Land on: Sign Contract

Meeting #8–9 — contract + e-sign mock

Live preview
What to look for
  • Salesforce fullsand funding agreement PDF
  • Checkbox + draw/type signature pad
  • Complete checkout

/checkout?demo=merchant-contract-sign&step=contract

California disclosure on terms

Deviation

Merchant · Land on: Accept Terms

Meeting #1 — LEG-01 pending

Live preview
What to look for

Demo deviation: Target: disclosures on contract PDF, not accept-terms step.

  • California disclosure block on Accept Terms step

/checkout?demo=merchant-disclosure-ca&step=financing

New York disclosure on terms

Deviation

Merchant · Land on: Accept Terms

Meeting #1 — LEG-01 pending

Live preview
What to look for

Demo deviation: Target: disclosures on contract PDF, not accept-terms step.

  • New York disclosure link on Accept Terms step

/checkout?demo=merchant-disclosure-ny&step=financing

ISO partner — Assist the merchant

ISO can view and help with terms and documents but cannot link bank or sign the contract on the merchant's behalf.

ISO full checkout view

Ready

ISO · Land on: Authentication

Meeting #13 · Preview UI spec — ISO expanded

Live preview
What to look for
  • Same 4-step progress as merchant
  • Bank + contract readonly

/checkout?mode=iso&demo=iso-full-wizard&step=authentication

ISO sees bank — merchant must link

Ready

ISO · Land on: Bank & Identity

Meeting #13

Live preview
What to look for
  • Bank section readonly
  • ISO can still review terms

/checkout?mode=iso&demo=iso-readonly-bank&step=bank

ISO sees IDV — merchant only

Ready

ISO · Land on: Bank & Identity

Meeting #13

Live preview
What to look for
  • Merchant-only IDV on bank step
  • ISO readonly bank + IDV blocks

/checkout?mode=iso&demo=iso-idv-merchant-only&step=bank

ISO uploads & replies on STIPS

Ready

ISO · Land on: Upload Documents

Meeting #11 · #13

Live preview
What to look for
  • Document upload interactive for ISO
  • Verification reply on Proof of Business

/checkout?mode=iso&demo=iso-documents-reply&step=documents

ISO previews contract — no sign

Ready

ISO · Land on: Sign Contract

Meeting #13

Live preview
What to look for
  • Salesforce contract PDF preview
  • Email-to-merchant copy
  • No signature pad for ISO

/checkout?mode=iso&demo=iso-readonly-contract&step=contract

ISO sees underwriting hold

Ready

ISO · Land on: Underwriting Review

Meeting #17

Live preview
What to look for
  • Same awaiting review screen
  • ISO assist note on uploads

/checkout?mode=iso&demo=iso-awaiting-review&step=awaiting-review

ISO complex path (combined flags)

Deviation

ISO · Land on: Authentication

Meeting #16 · demo-vs-target scenario 2

Live preview
What to look for

Demo deviation: Approximates JSON iso_complex scenario; step skip needs future mock JSON layer.

  • Business name picker
  • STIPS + reply
  • Contract locked until UW approves

/checkout?mode=iso&demo=iso-complex&step=authentication

ISO partner — Multiple deals

ISO lands on a deal dashboard and opens individual merchant checkouts in new tabs.

ISO deal dashboard

Ready

ISO V2 · Land on: Select Deal

ISO V2 flow doc

Live preview
What to look for
  • 5 mock deals
  • Open deal → new tab with expanded ISO flow

/checkout?mode=iso-v2&demo=iso-v2-dashboard&step=deal-selection

Reference & legacy

Older demo layouts kept for comparison — not the primary target checkout UI.

Legacy tabbed demo

Ready

Reference · Land on: —

Legacy layout

Live preview
What to look for
  • Tab-based older prototype
  • Not target 4-step wizard

Flow entry cards (home)

Ready

Reference · Land on: —

Landing page

Live preview
What to look for
  • Merchant + ISO large entry cards