AI teammates that review cases and risk signals inside the tools your team already uses. Consistent and explainable recommendations.
SOC 2SOC 2 Type II02Solutions
Acquirers & processors underwrite and monitor merchants. Merchants and online marketplaces clear orders, refunds, and disputes — each with an AI teammate on their side of the transaction.
Pre-qualification through intake, underwriting, and ongoing risk monitoring.
Pre-qualification
CRM ingest, a structured voice screen, and a scorecard so only qualified leads advance to a full application.
Intake
Email, SMS, WhatsApp, and voice doc-chase until the file is complete, then KYB and sanctions before underwriting.
Underwriting
Identity and bank checks, MCC and financial analysis, and a memo that scores and recommends with exceptions.
Risk monitoring
VAMP thresholds, scam-rule monitoring, and portfolio enrichment so alerts arrive with context, not noise.
03Integrations
Connectors for the queues and systems you already use. Agents go live on day one.
04Trusted by
Explore all teamsFrom ISO agents to sponsor banks and marketplaces, Credio powers risk operations for every type of team in the payments stack.
Full lifecycle underwriting and monitoring
Move more merchants through intake, KYB, underwriting, and post-onboarding monitoring with concurrency-ready packaging and consistent policy application at scale.
Sponsorship oversight and merchant acquiring
Credio operates inside existing bank systems, standardizing partner reviews, enforcing compliance, and routing structured evidence to human teams with full audit trails.
Intake, routing, and application prep
ISO agents funnel merchant applications upstream. Credio eliminates the back-and-forth that stalls revenue with guided intake, KYB, and smart sponsor-bank routing.
Onboarding, trust and safety, payout risk
A risk intelligence layer inside your existing stack, extending analyst capacity across seller onboarding, refund review, payout ATO prevention, and trust & safety QA.
05Why Credio
Inside your queues and tools, handling volume, policy, and documentation.
Risk teams lose time to manual work, inconsistent policy, and scattered documentation.
Analyst time lost to manual alert follow-up
Policies apply only when seniors are available
Same case, different outcome by analyst
Rationale scattered in Slack and spreadsheets
Automation brings clarity, speed, and audit-ready decisions across every workflow.
Context gathered, alerts deduped, outcomes logged
Rules and exceptions run on every case
Decisions follow SOPs and past patterns
Rationale and policy refs on every decision
Risk teams lose time to manual work, inconsistent policy, and scattered documentation.
Analyst time lost to manual alert follow-up
Policies apply only when seniors are available
Same case, different outcome by analyst
Rationale scattered in Slack and spreadsheets
Automation brings clarity, speed, and audit-ready decisions across every workflow.
Context gathered, alerts deduped, outcomes logged
Rules and exceptions run on every case
Decisions follow SOPs and past patterns
Rationale and policy refs on every decision
Data coverage
Credit, identity, business, contact, and fraud, the signals risk teams rely on.
U.S. consumers
Business entities
Public filings
People, businesses
Global coverage
Breached accounts
U.S. accounts
Users
06Enterprise-ready
Review gates, policy enforcement, and audit trails on every decision.
RBAC, SSO, encryption, and audit logs from day one.
Your data stays yours. Nothing retained or used for training.
Data, logic, and reasoning traced for every outcome.
Analysts approve, override, and refine with feedback loops.
Audit-ready recommendations inside your existing queues.
