Finance

VBill Connects the Merchant Contracting Loop

VBill uses eSign.AI to integrate cross-border payment agreement signing, merchant identity verification, and internal compliance workflows, improving signing efficiency and archive traceability.

+120%efficiency

Signing efficiency improvement

From 7 days to 1 daycycle

Payment agreement signing cycle

60%contracting

Merchant contracting efficiency improvement

Company Introduction

VBill Payment Co., Ltd. is a licensed payment institution that received its payment business license from the People’s Bank of China in 2012. The company provides payment, supply-chain finance, cross-border payment, industrial payment, and “payment + SaaS” services.

VBill serves merchants across retail, property management, logistics, catering, healthcare, education, trade, and other sectors.

VBill cross-border payment and merchant contracting scenario

Business Challenges

In 2024, VBill introduced overseas signing for cross-border payment agreements. Its business scenarios required strong identity verification and smooth system integration:

Cross-border payment agreements and merchant service agreements needed online execution.
Merchant identity verification involved OCR, manual input, SMS verification, facial recognition, handheld photo verification, and signing willingness confirmation.
OA scenarios also included labor contracts, NDAs, compliance agreements, and certificates.
Signed PDFs and electronic seals needed to be stored in the operations backend.

VBill needed a process that could support both merchant contracting and internal compliance document signing.

Solution & Results

VBill integrated eSign.AI’s electronic signing and identity verification capabilities into its self-developed platform. Business users can initiate payment service agreements and cross-border agreements online, guide merchants through authentication and signing, and store completed PDFs with electronic seals in the operations backend.

The solution also supports OA-related signing scenarios such as labor contracts, confidentiality agreements, compliance documents, and certificates, helping the company standardize document execution across multiple operations.

Application Impact

VBill improved signing efficiency by 120% and reduced payment agreement signing from 7 days to 1 day. Merchant contracting efficiency increased by 200%.

The integrated workflow helps VBill accelerate merchant onboarding, improve identity verification control, and strengthen archive management for cross-border payment and internal compliance documents.

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