Merchant copilot: tester's guide

The whole application is a conversation: name, email, business type, monthly volume, registry check, eligibility, documents, e-sign.

Try it: Open the chat and follow the chips. Pick Sole proprietor, the lowest volume, registry number 2034567, answer the checks, then press Confirm and submit.

Progress is saved server-side under the applicant's email after every step.

Try it: Complete a few steps, reload the page (or open it on another device) and enter the same email. The transcript and step come back with a welcome-back message.

Applicants can fix their details without restarting.

Try it: Type "change my email to new@x.ph" or "call me Carla" into the message box at any point after the email step.

Anything typed that is not an answer to the current step is answered from the requirements knowledge base, powered by Claude with a curated fallback.

Try it: Ask "what does a corporation need?", "who is the authorized signatory?", "what should the selfie show?" or something oblique like "my brother owns the store, can I sign up?"

Micro seller, sole proprietor, partnership, corporation, and licensed professional (PRC), each mapped to Starter, Premium, or Pro by monthly volume. Documents follow the tier first: Tier 1 Starter needs only a government ID and a selfie, on any structure.

Try it: Run the flow once as a corporation above PHP 5M (long document list) and once as a micro seller (ID and selfie only). Try "Licensed professional" to see the PRC ID and PTR requirements.

DTI and SEC certificates are never uploaded. The applicant types a registration number, the format is validated, and a mocked registry integration confirms the record, the owner, and the industry risk. Questions the registry can answer are never asked.

Try it: Use the registry numbers in the table above. Note that a verified sole proprietor is never asked the signatory question, since the registration is under their own name.

Applicants who do not want to gather documents can drop to Tier 1 Starter and keep only the ID and selfie checklist.

Try it: Start as Tier 2 or 3, and when the document checklist appears, use the downgrade chip (or say you do not want to upload documents).

Images and PDFs up to 10MB are stored and shown to reviewers.

Try it: Upload any image or PDF when asked. Then find your application in the admin panel and click the thumbnail: it zooms to a lightbox, Escape closes it.

The final Confirm button is the electronic signature. No drawn signature is collected.

Try it: Finish the flow and press Confirm. The summary card records the signed time and a confirmation email is sent.

Confirmation email on signing, an automatic reminder 15 minutes after an application stalls, decision emails on approve or deny, and manual emails from the admin. Every email carries a button that reopens the application, and opens are tracked with a pixel.

Try it: Sign an application and check the outbox. Leave one unfinished for 15 minutes and the reminder appears on its own. Note: this demo can only deliver real email to the account owner's inbox; every other address is recorded in the outbox instead, which is the intended place to verify content.

Roster of every application with status, tier, document progress, and registry result. Each row opens a detail page with the application, registry record, document previews, eligibility checks, and full email history with open status.

Try it: Open /admin, click your applicant, review the cards, then approve or deny. The decision emails the applicant, and the chat announces the decision the next time they resume.

Reviewers can email an applicant directly. Four premade templates (clearer document, missing documents, signatory confirmation, details mismatch) prefill the composer and stay editable.

Try it: On an applicant's detail page, click a template chip, adjust the wording, send, and see it appear in the email history. Check the outbox to read it as the applicant would.

A hidden second presentation of the same flow, one question per screen.

Try it: Answer the very first question (your first name) with the word "full" and watch the transition.