Merchant underwriting, handled for you

Underwriting verifies who a business is, what it sells and who owns it. It looks at the type of business, how it expects to process and the risks it may present. It continues after approval, because risk does not stop at the application. Monitoring helps catch changes in behavior, unusual activity and problems before they become bigger ones.

• Business identity and ownership, including KYC and KYB checks.
• The type of goods or services sold and how the business takes payment.
• Expected ticket size, volume and processing patterns.
• Delivery model and how long customers wait for what they paid for.
• Whether the business falls under restricted or higher-risk categories.
• Financial stability and any prior processing history.

Payment networks and banks hold the program, and your platform, accountable for the businesses it signs up. Careful underwriting protects your reputation, your relationships and your revenue. It also helps legitimate businesses get approved without unnecessary delay. When underwriting is sloppy, the cost shows up later in chargebacks, reserves and frozen funds, and the platform, not the partner, often hears about it first.

1. 1Apply. Your customer completes onboarding inside your product, providing the business details we need.
2. 2Verify. We run identity, ownership and business checks, and request more information only when something is unclear.
3. 3Decide. We approve, conditionally approve or decline, and explain the decision.
4. 4Monitor. After approval we continue to watch processing behavior so small problems do not become large ones.

Clear requirements up front. Your customers know what information they will need, so approvals do not stall because of missing documents.

Consistent decisions. Policies are applied fairly and explained clearly.

Human judgment where it counts. Automated checks handle routine cases. Our team reviews the unusual ones and talks to you about them.

Monitoring after approval. We continue to watch the portfolio so small problems do not become large ones.

If you simply refer customers to a payment partner, you have little say in how they are reviewed, and a decline can feel like a dead end to your customer. With underwriting built into your program through linq, the review happens as part of the flow you designed, and our team can talk to you and your customer about the outcome. That keeps more of your customers moving toward their first payment.

Underwriting works hand in hand with merchant onboarding and linq. Your customers apply inside your product, and we review them behind the scenes, so your team builds product instead of running a risk department.