# Qualify merchant leads before they enter intake.

Credio deploys AI teammates for merchant underwriting, fraud review, and payments compliance. They write the underwriting memo, investigate flagged orders, and run KYB and sponsor-bank oversight inside the tools your team already uses.

Credio qualifies merchant leads with CRM ingest, a structured voice screen, and a scorecard so only qualified files advance to a full application.

**URL:** https://credio.xyz/solutions/merchant-pre-qualification

## Key takeaways

- CRM leads are ingested and scored before anyone opens a full application file.
- A structured voice screen extracts tenure, volume, credit, and use of funds against the rubric.
- Qualified, stipulations, or decline — with CRM fields updated and a ready file for the LOS.
- Sales and risk share one scorecard instead of hallway notes and stale CRM statuses.

## Frequently asked questions

### Is Credio merchant lead qualification software?

Yes. Credio screens merchant leads with CRM ingest, a structured voice screen, and a scorecard so only qualified files enter intake.

### How does pre-qualification feed intake?

Qualified leads move into intake with the voice-screen answers and scorecard attached, so intake starts from a qualified file.

### How does the voice screen work?

Agents place the outbound call, extract structured interview answers, and write dispositions back to CRM. Humans stay in the loop for exceptions.

### Can we use our own scorecard?

Yes. Tenure, volume, credit, and use-of-funds weights follow the rubric your acquiring or ISO program already uses.