# Underwrite every file to your credit policy, memo included.

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 underwrites every file to your credit policy with identity and bank checks, MCC and financial analysis, and a memo that scores and recommends with exceptions.

**URL:** https://credio.xyz/solutions/seller-onboarding-risk-review

## Key takeaways

- GIACT, OFAC, MATCH, and credit diligence runs automatically at file intake, not after queue backlog builds.
- MCC, processing statements, and financial docs validated against underwriting criteria.
- Actionable report with score, recommendation, and exception flags.
- Concurrency-ready packaging for sponsor bank submission.

## Frequently asked questions

### Is Credio AI merchant underwriting software?

Yes. Credio runs the diligence on every merchant file (identity, bank, MCC, MATCH, and credit) and writes a scored memo with a recommendation. Your underwriters review it and make the call under your credit policy.

### Can Credio package files for bank submission?

Yes. Reports include concurrency-ready documentation and exception summaries.

### How does Credio apply our credit policy?

Credio checks every file against your credit policy and flags each exception with its evidence. Your underwriters sign off from a complete memo instead of rebuilding the file.

### How are MCC risk classifications handled?

Agents apply your MCC/SIC risk matrix and flag high-risk categories with supporting evidence.