Our Merchant Solutions Could be Saving Your Business Time and Money.

Automate your merchant experience, determine risk, and onboard in minutes. That’s the power of innovation.

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Customize Your Experience

We give you the tools, you make them your own. Our white-labeled software lets you customize front-end platform details with a few clicks and automate as many or as little processes as you want.

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Enjoy Clean

We developed our software with you, the user, in mind. Our solutions have intuitive workflows to optimize the merchant experience by saving time throughout the merchant lifecycle.

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Stay Compliant

With Agreement Express, you have access to over 100+ pre-configured scoring rules to customize compliance in underwriting. Our software automatically updates to stay compliant with the newest payment industry standards.

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Choose to

With Agreement Express, you get a partnership; we help you understand your data and give you risk insights and actionable advice for the future. If you don’t need us, our software is simple enough to use independently.

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The 3 Steps of a Stripe-Like Experience.

1. Merchant Application

1. Merchant Application

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Gather Documents

A merchant receives an application and fills out proper forms and documents.

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Send to Us

The merchant easily submits all documents in one place - our portal.

2. Automated Underwriting

2. Automated Underwriting


NIGO Compliance

Our software checks the documents for NiGO compliance and flags potential risk or fraud.

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Customizable Scorecards

Underwriters come to a quick and informed decision using our customizable risk scorecards.

3. Merchant Onboarding

3. Merchant Onboarding


Alert Merchants

Quickly alert merchants of your decision.

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Quick Onboarding

Onboard quick and clean with our easy-to-use platform.

Many Growing Payment Service Providers Use Agreement Express.

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merchant onboarding


Better Merchant Solutions Mean Happier Merchants.

And happier merchants mean more business for you. Our streamlined application pages give merchants a faster experience, which means more stick around to see the process through. The ability to quickly identify the risk of potential merchants reduces abandonment and time-to-decision, thanks to our intuitive interface and data automation.

Payments_Underwriting Risk

Decrease underwriting risk

Approve or Deny Merchants with Confidence.

Put an end to inefficient and risky underwriting processes and frustrated abandonments. Automate, digitize, and customize with our underwriting software.

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Build custom risk scorecards for different merchant types


Keep documents error-free and all in one place

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Configure AI-generated merchant risk alerts


Automate KYC & AML underwriting compliance

Increase onboarding speed

More Merchant Satisfaction and Less Work for You.

Stop losing documents and wasting time and start using our intuitive and intelligent software.


Dynamic data capture, mapping, reporting, and analytics

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Automated form packaging and distribution

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Secure signature-capturing technology

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Ability to rewind transactions and fix NIGO errors



Seamless and Secure Data Management, So You Don't Have to Choose Between Easy and Safe.

We keep all your documents organized and bundled by account for easy access and lifecycle tracking. Plus, our data integrates into any platform in your tech stack. You can have everything you need- in any place you need it.

See how much new revenue you could be generating.

Use Our ROI calculator to Find Out.

Frequently-Asked Questions

Yes, our partner KYC Sitescan is a recommended service provider for scorecards in any region. KYC Sitescan reports include a merchant website crawl including high-risk word/phrase analysis, policy disclosure detection, and capture of representative products and services.

There are multiple ways you can use Merchant ScanXpress to meet your underwriting needs.  You will have access to a library of scoring rules and third-party integrations, allowing you to pick and choose features for your merchant onboarding and risk underwriting.  You can add hundreds of scoring rules and integration responses, and manage multiple scoring models. Agreement Express landing pages  and employee-facing dashboards are white-labeled and can be changed to your branding standards.

Yes, with Merchant ScanXpress you can control your own risk model(s) at any time.  You can enable automated decision-making and configure specific rules for different areas of your business.  For example, based on sales channel, risk level, region, or any other factor, you have full control over every element of your scoring methodology. 

Yes, Agreement Express is PCI Compliant. Our data center is hosted in PCI DSS and SOC 2 Type 2 certified secure hosting facilities.

We are able to have you up and running in 4-6 weeks with a solution configured to your business needs.  However, your front-end data collection product typically requires additional delivery resources. We can provide you with a detailed estimate after we learn more about your onboarding requirements.

One of the reasons financial services companies choose to use Agreement Express is because it is built specifically so anyone with basic computer knowledge can build their own forms and risk scorecards. We do recommend, and in special instances, require, including professional services hours for training purposes.


Our Software Has Saved Our Clients Time and Money, But Don't Take Our Word For it. Take Theirs:


Through the Agreement Express solution, it allows [merchants] to submit an application through one seamless onboarding experience that automatically connects to our back-end system



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.



As a payment facilitator, being able to automatically approve our merchants is critical to our business and it’s Agreement Express’s technology that’s really allowed us to get there.


SVP Acquiring & Payments at BlueSnap

Latest resources

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July, 2022, Vancouver, Canada — Agreement Express, the leading client onboarding and underwriting platform for current and emerging…

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Underwrite & Monitor Merchants Directly From Your CRM

Imagine if your underwriting and sales teams could seamlessly share data in just a few clicks – transforming…

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4 Industry Insights from the CEO of National Processing

One of the biggest challenges for National Processing, a nationally regarded merchant services company, was ensuring that the…

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Want to start talking bigger ideas and better business?

Get in touch with us today.


“Without having that automation, quick turn around; you’re really not able to be as competitive in the marketplace as we are now.”