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Risk Scorecard

How It Works

The Risk Scorecard at a glance

Risk Profile icon

Risk Profile

Creates a risk profile from the merchant application and third-party data sources.

Scoring Model icon

Scoring Model

Scores each merchant against a complex scoring method.

Intelligent Automation icon

Intelligent Automation

Approves or rejects merchants based on your business’s unique risk tolerance.

Recommendations icon


Recommends which applications to take a closer look at before receiving manual underwriter approval.

Components of the risk model

Includes Know Your Customer (KYC) and Anti-Money Laundering (AML) due diligence needs.


Identity icon


Know the identity of the merchant and business owners.

Validity icon


Confirm the business your merchant is really involved in.

Legitimacy icon


Ensure the business is a bona fide business.


Financial Acceptability icon

Financial Acceptability

Determine if the merchant fits the financial constraints of your business.

Processing Risk Level icon

Processing Risk Level

Evaluate the level of risk associated with the merchant.

The Value of the Agreement Express Automated Risk Scorecard for Payments Underwriting

Hear why Silicon Valley Bank, Cayan, and Bridgestone think that Agreement Express is the right way to automate a large portion of underwriting with the Risk Scorecard. Maximize merchant approvals and allow the underwriting team to focus only on the important and potentially risky customers.

Are you in the USA?

The FinCEN Final Rule makes it mandatory to conduct customer due diligence on up to four beneficial owners. Read about how Agreement Express automates this process.

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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!

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