Underwriting Risk Scorer
Know the answer before you submit.
An AI engine that pre-screens a deal for approval likelihood and ongoing risk before submission — scoring MCC risk, chargeback exposure, and reputational flags so ISOs stop wasting cycles on deals that won't board.
ISOs burn time submitting deals that get declined, or board risky merchants that later generate chargebacks, fines, and clawbacks. Risk assessment today is gut-feel and inconsistent — and a bad board can cost far more than the residual it earns. Underwriting Risk Scorer brings a consistent, explainable pre-screen to every deal before a single form is submitted.
Why this exists
ISOs burn time on deals that get declined and occasionally board risky merchants that later trigger fines and clawbacks costing far more than the residual earned. Risk assessment today is gut-feel and inconsistent — there's no repeatable pre-screen at the front of the funnel.
How Underwriting Risk Scorer solves it
Takes a prospective merchant and returns a risk profile: approval-likelihood score, high-risk MCC classification, projected chargeback exposure, website and reputational red flags, and the specific reasons behind the score. Gives the ISO a clear go/fix/decline signal and the documentation likely required — before a single form is submitted.
The timing
A single bad board can cost far more in fines and clawbacks than the residual it earns, yet risk screening today is gut-feel and inconsistent. A clear, explainable pre-screen at the front of the funnel means you say yes to the right deals and avoid the ones that come back to bite you.
What's inside.
Approval-likelihood score
A pre-submission probability score calibrated to the target processor's current underwriting appetite for this MCC and volume profile.
MCC & prohibited-content classification
High-risk MCC classification, prohibited-content detection, and card-brand restricted category checks — all before submission.
Chargeback exposure modeling
Projects chargeback exposure based on MCC benchmarks, website signals, and prior merchant history where available.
Go / fix / decline signal
A clear, explainable recommendation with the reasons behind it and the documentation likely required to flip a fix to a go.
Pricing is tailored to your deal volume. Book a demo and we'll put together a quote for your team.
BOOK_A_DEMO →From signup to value in minutes.
Input merchant profile
Enter MCC, website, volume, and business information.
Run the screen
Engine scores MCC risk, chargeback exposure, and reputational flags.
Review the signal
Get a go/fix/decline recommendation with the reasons behind it.
Submit with confidence
Attach the recommended docs and go to the right processor.
Common questions.
Is the score a guarantee of approval?+
No — it's a probability estimate, not a commitment. Processor decisions are theirs to make, but the score gives you a strong, evidence-based expectation before you submit.
Does it work for high-risk verticals?+
Yes. High-risk MCC screening is a core feature — we identify the risk factors and map them to the processors most likely to take the deal.
Can processors embed this in their own boarding flow?+
Yes. An API and white-label embed are on the roadmap for processors who want a consistent pre-screen across their ISO channel.
What information does the screen need?+
MCC, website, expected volume, and basic business details. The engine enriches that with web, reputational, and chargeback-benchmark signals automatically.
How is this different from Underwriting Matchmaker?+
The Risk Scorer answers "should this deal be boarded at all?" with a go/fix/decline signal. Matchmaker answers "which processor should it go to?" — they work best in sequence.
Get early access to Underwriting Risk Scorer.
Join the waitlist to be among the first to pilot this tool and help shape what it builds.
JOIN_WAITLIST →More in the toolkit.
MerchantScope
Deal Flow & Underwriting
The AI sales coach for payments reps: reads a merchant processing statement, identifies the business, and hands the rep the exact setup, price, and pitch — before the call.
Underwriting Matchmaker
Deal Flow & Underwriting
Input a deal; the engine matches it to the processor most likely to approve it, with required docs, pricing guidance, and placement probability.
RatesNegotiator
Merchant Cost Reduction
An AI agent that ingests messy merchant processing statements, surfaces hidden padding and downgrades, computes a target rate, and drafts the negotiation — or runs it for the merchant.