Application review
Give reviewers the evidence and authority to make the call.
Apply agreed risk gates, assign applications to review queues and record approval, decline or referral. Keep exceptions and reasons available for later review.
What it handles
Apply structured risk gates, scores, review queues, decisions and escalation paths.
Risk & Compliance capability
What Underwriting controls covers
Apply structured risk gates, scores, review queues, decisions and escalation paths.
01
Risk scoring and policy gates
02
Review queues and case ownership
03
Approval, decline and referral pathways
04
Exceptions, rationale and escalation history
Workflow notes
Underwriting controls in practice
An application has sufficient information to begin review, but one check needs clarification. The reviewer needs to see the evidence, the outstanding question and the decision authority.
What to prepare
Bring your risk criteria, required documents, approval limits and referral process for the applications you want to handle.
Review the workflow
- Review the required checks and evidence for a sample case.
- Route unresolved questions or exceptions to the authorised reviewer.
- Record the outcome and the basis for the decision before the next stage.
Does an automated check replace underwriting judgement?
Treat checks as evidence within the agreed decision process. Define who may approve, decline or escalate a case and what additional review is needed for exceptions.
Related tools for your team
- Merchant onboarding — Coordinate applications, documents, checks, acquirer requirements and progress without losing ownership.
- Proposals & e-sign — Build proposals from analysed pricing, send agreements for signature and track customer acceptance.
- Implementation guide — plan your data move, setup and testing.
- Payments glossary — understand the terms used in merchant services.
Before you set it up
Agree approval and referral rights, along with the evidence needed for an exception, before reviewing live applications.
Continue through Risk & Compliance
Related capabilities
Review an application with us.
Bring a typical case and your approval requirements. We will show how to collect evidence, handle queries and record who approved, declined or referred the application.