Move more merchants. Close faster. Stay compliant.
Credio's AI agents handle the full merchant lifecycle , from first-touch intake through KYB, underwriting, concurrency packaging, and post-onboarding monitoring , so your team focuses on growth, not paperwork.
Workflow in order of execution
01
Intake Agent
Without Credio · Applications arrive incomplete , missing docs, wrong formats, inconsistent data , creating back-and-forth before review begins.
Validates and organizes all intake materials at submission , flagging gaps and prompting for missing items before the file moves forward.
Intake checks
02
KYB / Merchant Onboarding
Verifies the legitimacy, ownership, and legal existence of the merchant
Without Credio · Manual KYB creates inconsistent decisions and leaves compliance gaps that surface during sponsor bank review , slowing approvals and creating rework.
Pre-qualification and full KYB checks run automatically at intake , surfacing every issue before the file reaches a reviewer.
KYB & pre-qualification checks
03
Underwriting Agent
Assesses financial risk, business model, and fraud/chargeback potential for payment processing approval
Without Credio · Risk scoring is inconsistent. Analyst time is spent on routine checks instead of judgment calls, slowing approval cycles.
Scores every merchant file against bank criteria , structured approve/escalate/decline with full audit rationale, every time.
Underwriting checks
04
Concurrency & Closing
Without Credio · Each sponsor bank has different package formats and requirements. Manual packaging is error-prone and causes bank-level rejections.
Auto-packages each underwritten merchant file into the correct sponsor bank format , right fields, right docs, right standards , before submission.
Packaging checks
05
Post-Onboarding Monitoring
Without Credio · Chargeback and fraud queues grow faster than teams can work them , inconsistent outcomes and no root-cause visibility across the portfolio.
First-pass chargeback triage, order reviews, RFI evidence prep, policy circumvention detection, and post-refund investigations , continuously, at scale.
Monitoring outputs
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 at scale.
FAQ
Common questions
Credio covers intake, KYB verification, merchant underwriting, concurrency and closing packaging, and post-onboarding monitoring , in the order your operations team executes them.
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