What Gets Checked
| Check | What It Catches |
|---|---|
| Website fetch | Dead sites, parked pages, content that does not match the stated business |
| WHOIS domain age | Domains registered last week for a "ten-year-old" company |
| SSL check | Missing or invalid certificates on a site that claims to take payments |
| Google Web Risk | Malware and phishing listings |
| Twilio phone lookup | VoIP numbers and carrier mismatches |
| Google Places | Whether the business exists at the stated address |
| News search | Adverse media on the business or principals |
| OpenCorporates | Registry status and officers |
| OFAC sanctions | Screening of the business and each owner |
Each external check is optional and runs only when its API key is configured, so the depth of the report matches the services you enable.
Why It Pays
For Underwriting
- Obvious declines are flagged before a human spends time
- Clean applications move faster with the evidence already gathered
- Data gaps are listed so the pending-items request is one click
- Consistent screening across every agent and every application
For the Business
- Fewer fraudulent merchants boarded to your portfolio
- Lower exposure to processor losses and clawbacks
- Faster time to live on the good applications
- A documented preliminary screening on every file
A Screening, Not a Decision
The report is explicitly labelled as an AI preliminary screening. Your underwriter makes the call. What changes is that they start from a scored summary with the links, lookups and findings already in front of them, instead of opening nine browser tabs per application.
See a real risk report
Send us a sample application and we will run the assessment live on the demo.
Talk to SalesFrequently Asked Questions
-
Does this replace my underwriter?
No. It gives your underwriter a scored, sourced starting point. The final decision stays with a person.
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Which AI model is used?
The investigation runs on Anthropic's Claude with a set of purpose-built lookup tools. The model sees application data and public lookup results only.
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Can I run it automatically on every application?
Yes. Run it on demand from the application, or let the background job score new applications as they are completed.
Talk to Sales
Tell us a little about your business and a FloPay specialist will reach out.
Sales:
Location:
8 The Green, STE B
Dover, Delaware, 19901
Privacy & Terms:
Request a risk assessment demo
Fill this out and a FloPay specialist will reach out, usually the same business day.