Skip to main content
OnboardingMerchant onboarding

Verify every merchant before they go live.

  • First-pass verification runs at intake speed, not after files sit in queue.
  • KYB, sanctions, MATCH, linked accounts, and UBO checks applied consistently on every application.
  • Approve, review, or reject with rationale, policy references, and supporting signals.
  • Analysts focus on exceptions; Credio handles context gathering and documentation.

01Scope

What Credio handles — and who it's for

Workflows

What Credio handles for this solution.

  • Onboarding verification

    Verify merchant legitimacy with outreach before you approve go-live.

  • QA sample reviews

    Sample flagged orders to catch rule drift and stale fraud thresholds.

  • Document fraud detection

    Catch forged documents before they pass manual underwriting review.

Built for

Teams who run these workflows.

  • PayFacs & ISOs

    Onboarding high merchant volume with consistent first-pass diligence.

  • Marketplaces

    Verifying seller legitimacy before payout and go-live.

  • Sponsor banks

    Receiving partner-submitted merchant packages with standardized KYB.

  • Risk ops leads

    Accountable for onboarding SLA and audit readiness.

02From friction to decision

What slows teams down

Four analysis layers, each tied to a bottleneck your team hits at intake.

The friction

Bottlenecks your team hits at intake.

Incomplete packages stall intake

Missing docs and inconsistent formats create back-and-forth before real review begins.

Incomplete packages stall intake

Missing docs and inconsistent formats create back-and-forth before real review begins.

KYB inconsistency

Sanctions, SOS, and ownership checks vary by analyst, creating compliance gaps that surface during bank review.

Audit gaps

Decisions live in Slack threads and spreadsheets, not defensible case files.

How Credio decides

Analysis layers tied to each bottleneck.

Internal Metadata & Creation Date Analysis

Cross-reference file creation dates with statement periods, flag temporal anomalies, and detect non-traditional PDF creators.

Visual Forensic Analysis

Structural analysis for orphan objects, font inconsistencies, text overlays, AI generation artifacts, and tampering signals.

Risk Intelligence Analysis

Apply KYB/KYC signals and SOP frameworks against merchant-specific context from connected tools and open-source data.

Final Recommendation

Synthesize all layers into an actionable recommendation: high risk, low risk, or escalate, with full audit lineage.

03The pipeline

How it works

From intake to documented decision.

01

Intake Agent

Without Credio · Applications arrive incomplete.

Validates and organizes materials; flags gaps before review reaches an analyst.

Intake checks

Doc completenessFormat validationMissing field detection

02

KYB Verification

Without Credio · Manual KYB creates inconsistent decisions.

Pre-qualification and full entity verification at intake, before files reach reviewers.

KYB checks

SOS registrationEIN / TINBusiness licenseArticles of formationAddress verificationGoogle & Yelp listingsOnline presence

03

Sanctions & MATCH

Without Credio · Screening done ad hoc or skipped under volume.

Automated OFAC/sanctions and MATCH list checks on every entity and principal.

Screening

OFACSanctions listsMATCH inquiryPEP screening

04

UBO & Linked Accounts

Without Credio · Ownership structure opaque.

Maps beneficial owners, validates identity, and flags undisclosed businesses.

Ownership checks

Owner identity (CLEAR)UBO outreachLinked-account analysisFranchise verification

05

Decision & Documentation

Without Credio · Approvals lack defensible rationale.

Delivers approve / review / reject with policy-cited memo and full audit trail.

Outputs

Policy cross-referenceException flagsAudit trail

04Results

Decisions & impact

Defensible outcomes. Compounding metrics.

ApproveReviewReject

Each decision includes structured rationale, policy references, and a signal summary your team can defend.

Operational impact

70%Reduction in first-pass QA time
< 15 minAverage case documentation time
100%Policy application on every file

05Deployment

How agents get to work

How agents deploy

Minimal IT lift. Where your team already works.

Browsing agents

Agentic web research across 30+ public sources, internal portals, and SaaS UIs your team already uses

Voice AI agents

Outbound verification calls, customer outreach, and ATO operations, voice biometrics included

Email & text agents

Inbound triage, response drafting, dispute communications, and structured routing to humans

Slack & Teams native

Human-in-the-loop approvals and escalation directly inside the channels your team already lives in

Connects with

and many more

Deployment, governance & controls

SOC 2 Type II Certified

SOC 2 Type II Certified

+ ISO 42001

min

Deployment time

to production

< 1 day

Operational value

decision to live

%

Uptime SLA

enterprise-grade

Full

Decision lineage

audit-ready

06FAQ

Common questions

No. It handles first-pass verification and documentation so analysts focus on exceptions and policy decisions.

07Continue exploring

Related solutions

Adjacent workflows and operational guides.

Scale decision capacity without scaling headcount

Audit-ready recommendations inside your existing queues.

SOC 2 Type II
Zero Data Retention
Full Decision Lineage