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Merchant Underwriting: What It Is, How It Works, and Why It’s Important

Stax

The merchant underwriting process is a critical step that payment processors and financial institutions use to assess the risk associated with onboarding new businesses. Learn More What is Merchant Account Underwriting? What is the Purpose of Merchant Underwriting?

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Navigating RBI’s 2025 Gold Loan Directives with our Comprehensive Loan Management System

M2P Fintech

With the gold loan market continuing to expand, particularly in rural and semi-urban India, this framework focuses on improving underwriting, valuation, collateral safety, and end-use transparency. Due diligence was inadequate, and end-use monitoring, especially for high-value or income-generating loans, was inconsistent or missing.

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Merchant Account Closed – Now What?

Cardfellow

Youll likely even get through the initial setup and may begin taking cards, because Square doesnt do upfront underwriting due diligence. However, later on they will likely realize it and close your account due to being a prohibited business type.

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Re:cap lands in the UK with €125m credit facility from HSBC

Finextra

The idea for re:cap was born when co-founders Paul Becker and Jonas Tebbe were consulting a private equity firm on digital due diligence. Testament to the quality of re:cap’s underwriting is the company’s track record with zero defaults which has impressed institutional investors.

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How to Streamline Your SaaS Clients’ Merchant Underwriting Process—and Improve Adoption Rates

Stax

From there, your users must go through an application and underwriting process that determines their eligibility to accept payments. TL;DR Merchant underwriting is the risk level assessment process an acquiring bank carries out on every new merchant before they grant them a merchant account. What Is Merchant Underwriting?

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Payouts Network Expands Executive Team With CFO Jon Anderson

Fintech Finance

Previously, he served as Senior Vice President and Corporate Controller at Netspend, where he played a pivotal role in the company’s initial public offering (IPO), overseeing SEC financial reporting and collaborating with underwriters on due diligence.

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How is AI Impacting Fintech Businesses?

The Fintech Times

. “A key component of our AI suite is our GPT -based assistant, ‘TensorAssist,’ tailored for underwriters. With these tools, a single underwriter can now do the work that used to take five underwriters. With these tools, a single underwriter can now do the work that used to take five underwriters.

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