AI Teammates for ISO & PayFac Operations
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
Intake Agent
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.
KYB / Merchant Onboarding
Verifies the legitimacy, ownership, and legal existence of the merchant
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
Underwriting Agent
Assesses financial risk, business model, and fraud/chargeback potential for payment processing approval
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
Concurrency & Closing
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.
Post-Onboarding Monitoring
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.
Expected outcomes
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.
Ready to see it in action?
Book a demo with our team or reach out with questions.
Questions? anupam@credio.xyz