Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.
Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.
Running alongside: AVS / CVV · 3-D SECURE · DEVICE INTELLIGENCE · MANUAL REVIEW · ACH / WIRE · AML RECORDS.
Layer the controls appropriate to an order that will not be recoverable.
Do not automatically run high-value thin-margin bullion purchases through expensive card rails. Provide appropriate card, ACH and wire choices based on the merchant's approved processing environment.
Offer a higher-touch workflow for unusually large purchases, where a short human step costs less than the loss it prevents.
Connect the record that answers a dispute on goods that are gone.
Where legally applicable, support the merchant's document and audit workflow rather than leaving it disconnected from operations.
Bullion and fabricated jewelry rarely belong on the same rail, and the split is where the structure starts.
The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Sam can give you yours in about a minute.
Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.
