Set up underwriting workflows

Decide how merchant applications are checked and routed, with rules on the application data and exits for Accept, Reject, and Review.

Merchants › Underwriting WorkflowsPartners and underwriting teams12 stepsVideo walkthrough

Walkthrough video: select play to watch Set up underwriting workflows walkthrough video thumbnail

What you can do here

See the underwriting workflows set up for your merchants
Create a workflow with rules that check application data automatically
Route each outcome to Accept, Reject, or Review
Set a workflow as the default, copy its embed code, or disable it

Before you start. Log in to the portal and use the Accessing switcher to select the partner account whose merchants the workflow applies to. New to this? See Log in and reset your password and Switch between accounts.

01Open your workflows

Underwriting workflows decide how merchant applications are checked and routed. Each workflow is a set of rules joined to exits.

Open Merchant Accounts

In the left navigation sidebar, open Management and select Merchant Accounts.

Open the workflows

Select View Underwriting Workflows at the top of the page. The Underwriting Workflows page lists every workflow with its status, create date, whether it is the default, and the date it was last changed. Use Default Only or the filter button to narrow the list.

The Merchant Accounts page with the View Underwriting Workflows and Add Merchant buttons above the list of merchants — View Underwriting Workflows, at the top of Merchant Accounts. Names shown are test data.

The Underwriting Workflows page listing workflows with Title, Status, Create Date, Default, Last Date, and Actions columns, with the Actions menu open on one row — Underwriting Workflows. Workflow names shown are test data.

Manage an existing workflow

Select the three dots under Actions to Copy Embed Code, Set As Default, disable the workflow, or Delete Workflow.

The Actions menu on a workflow with Copy Embed Code, Set As Default, Disabled Workflow, and Delete Workflow — The Actions menu on a workflow.

02Create a workflow

Start it

Select New Work Flow. The new workflow page opens with a Starting Point on the canvas. Type a name in the text box at the top left, then select Add Rule.

The new workflow page with a name box, Add Rule and Add Exit at the top, a Starting Point block on a dotted canvas, and Cancel and Set Workflow buttons — A new workflow, before any rules are added.

03Configure a rule

A workflow can have more than one rule. Each rule checks one thing about the application.

Name the rule

In the Add rule panel, select Rule Name and type a name.

Choose the rule type

Select Select a rule type and choose one:

Trulioo KYC Record Status: verifies an individual's identity details.
Trulioo KYB Record Status: verifies a business entity's background and structure.
Trulioo Match International Watchlist: screens for sanctions, politically exposed persons, and adverse media.
Business Information: a rule you configure yourself on the data collected during onboarding.

The three Trulioo rule types come preconfigured. The rest of this guide covers Business Information rules.

Pick the data point

Business Information rules work on the onboarding data, grouped under Business Profile Information, Beneficial Owner Information, and Payment Information. Open a group, scroll through the conditions, and select the data point the rule should check.

Business Profile Information conditions.

The Add rule panel with the Payment Information conditions listed: Average Transaction Amount, Maximum Transaction Amount, Projected Total Processing Volume, Average Monthly Card Volume, Average Monthly ACH Volume, Merchant Category Code, Product/Service Details, Delivery Time Frame, and Acceptance Method for MOTO, Internet/Web, Swipe, and Keyed — Payment Information conditions.

Set the condition

Choose how the rule tests the data point: starts with, ends with, matches, contains, or excludes, and enter the value to test against. The panel needs at least one complete condition before it will save.

Save the rule

Select Save rule. The rule appears on the workflow canvas, with a Match connector and a No Match connector. Repeat for any other rules the workflow needs.

What rules do. Once a rule is part of an active workflow, it runs automatically on every merchant application and helps decide the outcome.

04Connect the outcomes and save

Add the exits

Open Add Exit and add an Accept, Reject, or Review block to the canvas. Add each exit the workflow needs.

The Add Exit dropdown open at the top of the workflow page, listing the exit options — The Add Exit dropdown.

Join rules to exits

Drag from a rule's Match or No Match point to the exit that outcome should lead to, and join Starting Point to the first rule.

A finished workflow: Starting Point joined to a Legal name rule, with Match connected to Accept and No Match connected to Reject — A finished workflow with Match routed to Accept and No Match routed to Reject.

Save the workflow

When every rule is joined to an exit, select Set Workflow to save. Select Cancel to leave without saving.

Key terms

Underwriting workflow: A set of rules and exits that checks a merchant application and routes it to Accept, Reject, or Review.
Rule: One check inside a workflow, either a preconfigured Trulioo check or a Business Information condition you define.
Exit: Where an application goes after a rule: Accept, Reject, or Review.
Trulioo: The identity and business verification service behind the KYC, KYB, and watchlist rule types.

Merchant OnboardingStart a merchant applicationOpen guide Partner AccountsView a partner's accountOpen guide Merchant AccountsFind and view a merchantOpen guide

Was this guide helpful?

Not sure which rules to set?

Your Partner Relationship Manager and our support team can talk through what to check and where it should route.

Contact support

← Back to Merchants guides All guides