Payments compliance AI: KYB, sanctions, and portfolio monitoring.
Follow a merchant from KYB, UBO, MATCH, and sanctions screening at intake through portfolio alert triage after go-live.
What Credio does
KYB at intake. Monitoring after go-live.
Credio runs merchant KYB, UBO, MATCH, and sanctions screening at onboarding, then triages portfolio alerts after go-live, with every step logged for your sponsor bank and auditors.
How KYB and monitoring run
01
Complete the file
Parse the application and chase missing documents
The agent validates and organizes application materials, then chases missing documents over email, SMS, WhatsApp, and voice until the file is complete enough for KYB.
Intake checks
02
KYB the merchant
SOS, EIN, licenses, and online presence before underwriting
Entity verification runs at intake: SOS registration, EIN or TIN, business license, articles of formation, address, and public listings. Built for merchant KYB on ISO and PayFac files.
KYB checks
03
Sanctions and MATCH
OFAC, sanctions lists, MATCH, and PEP on every entity and principal
OFAC, sanctions lists, MATCH inquiry, and PEP screening run on the entity and principals before the file reaches an underwriter.
Screening
04
UBO and linked accounts
Beneficial owners and undisclosed businesses
The agent maps beneficial owners, validates identity, and flags linked or undisclosed businesses. When ownership is unclear, it drafts UBO outreach for a human to send.
Ownership checks
05
Enrich portfolio alerts
VAMP, scam, and chargeback signals with merchant context
After go-live, Credio picks up the alerts your rules engine fires. It dedupes VAMP, ECP, EFM, and Mastercard scam alerts, then pulls transaction history, MCC drift, chargeback ratio, and prior cases into one view.
Monitoring enrichment
06
Triage and hand off
Recommendation, evidence summary, and outreach draft
Credio delivers a triage recommendation, evidence summary, and outreach draft mapped to your policy, with decision lineage on every case.
Outputs
Explore the solutions
FAQ
Common questions
Is Credio payments compliance software?
Yes. Credio runs merchant KYB, UBO, MATCH, and sanctions screening at onboarding and triages portfolio alerts after go-live. It works alongside your AML transaction monitoring and adds merchant-level investigation.
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