Submit cleaner files. Route to the right bank. Close more merchants.
Credio's AI agents guide ISO agents through intake, KYB verification, merchant underwriting, and smart sponsor bank routing , so every file is complete, compliant, and placed with the bank most likely to approve it.
Workflow in order of execution
01
Intake Agent
Without Credio · Applications arrive incomplete , missing documents, wrong formats, and inconsistent data that get kicked back before review even starts.
AI-guided intake collects and validates every required document and data point at submission , agents know exactly what's needed before the file leaves their hands.
Intake checks
02
KYB / Merchant Onboarding
Verifies the legitimacy, ownership, and legal existence of the merchant
Without Credio · Agents lack visibility into KYB gaps , unverified entities, wrong signature emails, address mismatches, and owner background issues that only surface during sponsor bank review.
Pre-qualification and KYB checks run automatically , including SOS registration, signature email validation, CLEAR background report, and address verification , surfacing every issue before the file is submitted.
KYB & pre-qualification checks
03
Underwriting Agent
Assesses financial risk, business model, and fraud/chargeback potential for payment processing approval
Without Credio · Agents submit files without understanding sponsor bank underwriting criteria , leading to avoidable declines, inconsistent decisions, and repeated back-and-forth with reviewers.
Scores the merchant against bank criteria , running MCC/SIC risk classification, bank statement analysis, bank vs processing cross-validation, and statement authenticity checks , with a full approve/escalate/decline recommendation.
Underwriting checks
04
Smart Routing Agent
Without Credio · Agents guess which sponsor bank or Super ISO to submit to , risk profile mismatches with bank thresholds lead to avoidable declines and merchants lost to competitors.
Recommends the right sponsor bank or Super ISO for each merchant based on their risk profile, MCC, volume, and compliance requirements , maximizing approval odds before the file is submitted.
Routing outputs
+ Enhanced due diligence
Credio runs additional checks across KYB and underwriting , including professional license verification, online presence & listing analysis, franchise verification, SNAP/EBT eligibility, nonprofit status, TINCheck validation, GIACT account verification, and more.
Expected outcomes
faster merchant onboarding cycle
reduction in manual review hours
auditable decisions with full rationale
Credio is battle-tested in production , deployed by a large Payment Facilitator, Super ISOs, ISO Agents, ISVs, Issuers, and Brokers for intake, end-to-end merchant underwriting, and sponsor-fit assessments and closing at scale.
FAQ
Common questions
Agents guide intake and KYB collection, flag missing or weak items before submission, and package files to bank standards , reducing declines and rework.
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