Risk class and vertical
The underwriting result sets the risk class, and the vertical is checked against what each acquirer boards.
Merchant Scanner / Acquirer Matching
Send every merchant file to the acquirers that will say yes.
Acquirer Matching reads the merchant's risk assessment and shows which acquirers fit, why they fit, what they will still ask for and which would decline. Then each acquirer reviews the file on its own private link.
Best fitAcquirer A
WhyBoards gambling, volume in range
Still needsGaming licence copy
Would declineAcquirer C
- Private review link per acquirer
- Approve with a merchant ID
- Request information or decline
Illustrative example. Acquirer names are placeholders.
The problem
A good merchant sent to the wrong acquirer is a lost month.
Every acquirer has its own appetite: the verticals it boards, the regions it serves, the volumes it wants and the chargeback ratios it will accept. Those rules usually live in someone's head or a spreadsheet.
Send a file to the wrong acquirer and you wait weeks for a decline. Send it with a document missing and the clock starts again.
How the match is made
Matching you can read, not a black box.
Region and volume
Target markets and projected monthly volume are compared with each acquirer's regions and volume range.
Chargebacks and billing
The reported chargeback ratio and any recurring billing are weighed against each acquirer's limits.
What is still missing
Missing facts are listed as questions to ask the merchant, not treated as a refusal.
Your decision
Suggested by the platform, decided by your team.
Take the suggested acquirer, or choose one or several yourself. Overriding the suggestion asks for a short reason, so the file always explains why it went where it did. A merchant can be sent to more than one acquirer, each with its own link and its own answer, and you can compare them side by side.
The acquirer's side
A private review link for every acquirer.
Guide: how to match a merchant with the right acquirer →
- Review the fileThe acquirer's onboarding team opens the merchant file prepared and pre-underwritten by your team.
- Ask for informationQuestions go into one shared history that both sides can see.
- Approve or declineThe acquirer approves with the merchant ID it assigned, or declines with a reason.
- The merchant moves onThe merchant's onboarding stage follows the acquirer's decision automatically.
Questions
Acquirer Matching: what teams ask.
How does Acquirer Matching choose an acquirer?
It compares the merchant's underwriting result, including risk class, vertical, region, monthly volume, chargeback ratio and recurring billing, with the profile of each acquirer on your panel, and explains every suggestion.
Can we send one merchant to several acquirers?
Yes. Choose one or several acquirers; each receives its own private review link and gives its own answer, and you can compare them side by side.
What can the acquirer do on its review link?
Review the merchant file, request more information, approve with the merchant ID it assigned, or decline. Both sides see one shared history.
Does Acquirer Matching make the acceptance decision?
No. It is decision support for your team. Each acquirer's own underwriting makes the final decision.
See what Merchant Scanner would do for your team.
Request a private demo and we will walk your team through the platform.