Expert Contractor Onboarding

Onboarding requires government-ID + selfie verification. A contractor uploads a passport whose photo and selfie clearly mismatch.

Identity check must use a documented KYC vendor (e.g., Persona, Stripe Identity, Onfido — Mercor's specific vendor is not publicly disclosed [REQUIRES-VERIFICATION]); block onboarding on a clear mismatch; provide a documented appeal channel with a human reviewer; retain ID images per a defined rete…

A contractor in Argentina selects 'US ACH' as their payout method. The flow accepts it and the first payout silently fails because the bank rejects non-US ACH.

Onboarding must surface only payout rails compatible with the contractor's country and legal entity (ACH for US, SEPA for EU, Wise/PayPal for many, local rails for emerging markets). Pre-validate the destination at setup; fail loudly with a clear remediation step, not silently.

A contractor signs up from a US-sanctioned country (per OFAC). The onboarding flow accepts them and assigns paid tasks.

Run OFAC + EU sanctions screening against the contractor's country of residence, legal name, and payment instrument. Block payouts to sanctioned regions; surface a clear rejection notice citing the regulatory basis; do not assign paid tasks pending verification. Maintain a documented periodic re-sc…