Merchant ScanXpress

Automate your underwriting process, KYC, AML, and risk assessment due diligence with this fully customizable tool.

It’s just one piece of our end-to-end merchant onboarding platform. Now you can build a custom scorecard for a unique underwriting decision in minutes—not days or months.

Automated merchant underwriting process for payments

Increase processing volume and grow the bottom line

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Mitigate losses by quickly disqualifying problematic merchants

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Ensure persistent compliance with regulatory and card network rules

Reduce the time and cost of underwriting

Take complete control of your risk management with Merchant ScanXpress. Maintain multiple scorecards for different partners based on credit scores, risk flags, and volume thresholds. Custom Scorecards increase application volume and provide smart analytics to guide decisions while mitigating risk and providing an audit trail.


How automated underwriting benefits your business

Pay Facs & Integrated Software Vendors (ISVs)

Increase processing volume

Payment Facilitators and Integrated Software Vendors have an opportunity to automate more risk decisions and increase merchant acquisition velocity. Conduct automated underwriting at scale as your merchant and submerchant business grows, with oversight into channel partner risk decisions. Gain KYC and KYCC (know your customer’s customer) insight at a glance with smart reporting.

Optimizing Your Underwriting Engine

Double underwriter efficiency and grow processing volumes with these actionable tips. This paper summarizes the ways you can optimize your underwriting engine with Merchant ScanXpress.


Wholesale ISOs & Payment Service Providers (PSPs)

Out-of-the-box KYC and AML underwriting automation

Whether you’re experienced or new to underwriting, our cloud-based Underwriting as a Service (UWaaS) allows you to configure your own risk models in minutes. Configure as many scoring models as required for your ever-changing business needs. We have a library of more than 100 pre-configured scoring rules to help you get started. Leverage Progressive (stepped) Underwriting to lower the third-party data costs of onboarding submerchants.

Increasing Payments Revenue: Expand Your Piece of the Pie

Technology holds tremendous potential to transform the payment space. The right kind of automation is the key to unlocking this potential, which is true for expanding the payments revenue stream or by becoming risk-bearing to retain a larger percentage of the revenue.

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Accept payments faster

Provide your merchants with a frictionless application experience that accelerates near-instant approvals for payment acceptance like a payment facilitator. Leverage third-party data, instant field validation, and merchant profiles to gather less information upfront while getting a more holistic view of who they are.


Business insights with one click

Automating a large portion of the underwriting process allows the underwriting team to spend more time focusing on complex decisions and reviewing simple automated ones rather than finding and interpreting all of the information themselves. Focus on potentially risky merchants and gain risk insights at a glance.

6 Key Underwriting Risk Challenges & Solutions

Underwriting teams are being asked to approve more merchants, faster to compete with new industry standards set in place by the likes of payment facilitators. Here are six ways to make an underwriter’s life easier.

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What Our Customers Say About Merchant ScanXpress

“This solution streamlines and saves me so much time to the point I would call it a necessity.”

— Wholesale ISO from Ohio

“Anyone who comes from any sort of Underwriting background should have no issues figuring this out. It does what it says and it works very well.”

— PayFac in Colorado

Book a Call

With innovative fintech companies approving your customers in minutes, you can’t afford not to have a digital, automated underwriting process. Find out how we can help you underwrite merchants faster and maximize revenue. Schedule a call and let’s talk!

Book your demo today