Partner & merchant onboarding
Turn your underwriting matrix into a working process
Retailers, brokers, introducers, appointed representatives and merchants — onboarded against the criteria your team already uses, with every check, decision and policy version recorded.
The problem
The policy exists. The process doesn’t.
Your underwriting criteria live in a spreadsheet that one person maintains.
Near-identical policies are kept in parallel for different regulatory categories.
Analysts re-key the same company details into three or four provider portals.
Nobody can evidence which version of the policy was applied to which partner.
How Wiseflow handles it
Your criteria, applied automatically
Wiseflow does not replace your underwriting policy. It runs it — collecting the information, calling the providers, evaluating each criterion and routing the outcome.
Clear cases progress on their own
Applications that meet every criterion are approved without a reviewer opening them.
Referrals arrive with the evidence attached
Where a case needs judgement, the reviewer sees exactly which criterion tripped and why.
One policy, applied the same way every time
Change a threshold once and it takes effect across every application from that moment.
Checks
Every input your matrix depends on
Run them through the providers we supply, or through the contracts you already hold.
- Company verification, registration status and trading history
- Director and beneficial ownership identification
- Identity verification and document authenticity
- PEP, sanctions and adverse media screening
- CCJs, insolvency, liquidation and phoenixing signals
- Financial health, turnover thresholds and working capital
- Bank account ownership for settlement
- Policy documents, terms, complaints procedures and registrations
Built for regulated networks
Different categories, different thresholds, one system
Appointed representatives, introducer appointed representatives, credit brokers and direct merchants rarely share the same criteria. Wiseflow holds a separate policy for each, applies the right one automatically, and keeps a dated record of which version was used on every case — so you can show a supervisor how a decision was reached years later.
Ready to reduce the time and cost of onboarding?
See how Wiseflow can turn your current process into one connected journey.