Underwriting & Scoring

Nine-phase merchant underwriting with weighted 0–100 risk scoring and audit-ready PDF, Excel, and JSON reports — consolidating all intelligence into one decision.

Underwriting & Scoring is PayLegit's multi-tenant merchant underwriting platform with nine structured phases, weighted risk scoring from 0 to 100, and report generation in PDF, Excel, and JSON. It consolidates intelligence from every PayLegit module into a single, defensible approve, reject, or refer decision.

Merchant underwriting today is fragmented — risk signals scattered across teams, inconsistent scoring between analysts and regions, no unified evidence trail, and post-approval monitoring disconnected from original rationale. This module turns intelligence into decisions.

Nine phases cover pre-screening (MCC validation, FATF geo-risk, sanctions), KYC/KYB completeness, business and reputational risk assessment, enhanced due diligence for high-risk merchants, compliance alignment (AML, PCI DSS, regional requirements), technical security, financial health, final committee decision, and ongoing post-approval monitoring.

Weighted scoring dimensions: Geographic Risk (15%), KYC/KYB (20%), Business Risk (20%), Financial Health (20%), Compliance (10%), Technical Security (10%), and Processing History (5%), with EDD modifiers. Score bands from 0–30 Auto-Approve through 86–100 Reject or Committee referral.