Merchant onboarding, from application to approval

Upsonic helps fintech teams onboard merchants faster with AI agents that collect documents, read files, assess risks, contact merchants, and prepare each application for human review.

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Legacy Fintech

Manuel risk checks, Scattered tools, and communication chaos.

AI-Native fintech

The same six steps collapsed into a single agent running end-to-end while the team sleeps.

Bring agility to your FinTech

“With Upsonic, our onboarding and settlement processes have become faster and easier to manage.”

İpek Alan

Sr. Operation Manager

Upsonic started our AI-native transformation in operations, then expanded other department. With AI HQ, we now manage the entire FinTech from one intelligent platform.

Adem Aykın

CEO

Upsonic showed us what real agentic transformation looks like by turning every step of our business process into an AI-native workflow.

Talha Kılıç

Head of AI

Every Merchant Underwriting Check, Run by AI Agents

The same six steps collapsed into a single agent running end-to-end while the team sleeps.

Build a complete merchant risk profile

AI agents collect and organize the information your team needs to review each merchant: Incorperation details, UBO information, sanctions screening results, and reputation signals.

Understand the merchant’s real online activity

AI agents analyze the merchant’s website, products, pricing, policies, and payment flows to detect mismatches between declared information and real business activity.

Detect MCC mismatches earlier

Find missing policies

Identify risky pricing signals

Capture website evidence automatically

Review high-risk merchants with vertical-specific agents

Upsonic helps teams evaluate high-risk merchants by checking category-specific signals, claims, licensing needs, disclaimers, age gates before approval.

Give your team a ready decision file.

Instead of reviewing scattered documents, teams receive one organized merchant file with document checks, risk signals, ownership review, missing items, and recommended next steps.

Your team stays in control and makes the final decision: approve, request more information, or reject.

Upsonic vs the old way of running fintech operations

Humans do everything

Documents and cross-checks are reviewed manually

Missing documents are chased by email and phone

Risk checks are limited and one-time

Reporting comes late

The same work gets repeated across teams

Scaling means adding more headcount

Tools assist, teams still run the workflows

Risk, KYB and AML tools automate single steps

Humans still handle follow-ups

Merchant risk is checked, but human-triggered

Reporting comes late

Handoffs still create repeated work between teams

Scaling means adding more headcount, maybe tools

AI agents do merchant underwriting with people

AI-native platform handles the underwriting lifecycle end to end

Mail automation handles document collection and follow-ups

Merchant risk checks are signal-based and continuous

AgentHQ gives live reporting and operational visibility

Every step documented; work moves in one flow, not repeated across teams

Merchant operations scale without scaling headcount

Make every operation visible in seconds

Track how long it takes to collect missing documents, review risk signals, and move merchants from application to approval.

Ask any operational question and get answers instantly, without waiting days for manual reports.

Reduce false positives with explainable risk signals

Cut noise and speed up approvals using AI-driven context analysis. This tool turns unstructured data into a clear view of merchant activity and greatly cuts down on false positives.

Upsonic started our AI-native transformation in operations, then expanded other department. With AI HQ, we now manage the entire FinTech from one intelligent platform.

Adem Aykin

CEO

Everything your underwriting team needs to make faster risk decisions

Policy coverage checks

AI agents check the merchant’s policies such as terms, privacy, refund and delivery.

MCC classification

AI agents analyze MCCs against website activity to recommend the best merchant category.

Configurable risk scoring

Configure underwriting rules based on your risk appetite, merchant type, and market.

Traffic source risk analysis

Analyze traffic sources and trigger deeper research when unusual referral patterns are detected.

The AI-native shift every fintech needs

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Frequently Asked Questions

Does the system compare declared MCCs with actual business activity?

Yes. The workflow can compare declared MCCs with website content, product pages, business activity and extracted merchant information.

Can Upsonic process local documents?

Yes. Upsonic can read local documents such as tax certificates, proof of address files, signature circulars and trade registry documents.

Can it integrate with our existing AML, KYB, CRM and internal systems?

Yes. Existing AML, KYB, CRM, document storage, communication tools and internal systems can be connected into the underwriting workflow.

Does underwriting stop after approval?

No. Risk can continue to be monitored after approval.

What makes this different from a traditional underwriting tool?

Traditional tools usually support one part of the review. This workflow connects documents, websites, UBOs, risk tools, policies, evidence and team decisions into one agentic underwriting process.

Does Upsonic support Arabic language and Arabic documents?

Yes. Upsonic can process Arabic merchant documents and extract the key information needed for onboarding, risk and compliance workflows. It can also support market-specific document types used in Arabic-speaking countries.

What is Upsonic's pricing? Is it expensive?

Upsonic is designed to be affordable for fintech teams. The pricing is not higher than many standalone sanctions, website monitoring or risk tools in the market.

Does Upsonic keep a risk history for each merchant?

Yes. Upsonic can keep a historical risk record for each merchant.

Can we use only specific parts of Upsonic through API?

Yes. You can connect any specific part of Upsonic to your existing PF system or internal workflow through API.

Can Upsonic extract all policies from a merchant website?

Yes. Upsonic can scan a merchant website and identify key policy pages such as Terms & Conditions, Privacy Policy, Refund Policy, Shipping Policy, Cancellation Policy and other required compliance pages.

Can Upsonic analyze Arabic merchant websites?

Yes. Upsonic can analyze Arabic merchant websites and extract risk signals from website content, product pages, policies, pricing pages and payment flows.

Can Upsonic integrate with our existing CRM, AML, KYB tools and internal systems?

Yes. Upsonic can integrate with your existing CRM, AML, KYB tools and internal systems.