Intelligence for merchant underwriting, risk, and operations

Know your limit.
Expand your capacity.

quotasq builds governed intelligence for ISOs and acquirers—helping underwriting, risk, and operations teams understand their boundaries, act sooner, and grow responsibly.

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One principle · Powered by sq

risksqBefore approval: action before approval. Evidence, compliance and policy checked before a merchant is approved.
underwritingsqDecision: intelligence that grows with you. Agentic underwriting within approved policy and delegated authority.
docsqSignature: at the speed of the decision. Create, review, sign and retain agreements in one governed flow.
risksqAfter approval: awareness after it. Transactions, disputes, fraud and exposure, monitored continuously.

Action before approval.
Awareness after it.

Deploy asInterfaceAPIWebhookWhite label

The principle

Every business has a quota—a principled limit shaped by its market, obligations, and ability to act.

SQ is the barometer. It measures how clearly a company understands its own actions—and how much capacity it has to move forward responsibly.

quotasq platforms

One principle.
Three focused platforms.

RiskSQ makes risk rules actionable. UnderwritingSQ automates merchant underwriting. docsq simplifies document management and signing.

RiskSQ

Actionable pre- and post-underwriting risk intelligence.

UnderwritingSQ

AI-native, automated merchant underwriting.

docsq

Flexible, lower-cost document management and signing workflows.

Platform 01 · Risk intelligence

risksq

Action before approval.
Awareness after it.

risksq is an actionable pre- and post-underwriting engine for ISOs and acquirers. It can operate autonomously or integrate directly into an organization’s underwriting and risk operations.

Versioned rules, evidence, thresholds, and precedence produce accurate, explainable next actions—before risk becomes loss or network exposure.

risksqby quotasq

One engine · before and after approval

Before approvalAction

After approvalAwareness

Approval

Completeness — before approval: Application incomplete; Completeness policy; next action: Request the missing items (Review).
Evidence — before approval: Website and ownership evidence; Business evidence check; next action: Verify, then continue (Within).
Compliance — before approval: Sanctions and watchlist screening; Compliance policy; next action: Clear to continue (Within).
Financials — before approval: Financial condition; Reserve threshold; next action: Propose a reserve (Proposed).
Processing — before approval: Expected volume and ticket size; Processing expectations; next action: Set the approved limit (Within).
Policy — before approval: Precedence applied across rules; Delegated authority; next action: Route for approval (Review).
Transactions — after approval: Volume above forecast; Threshold band; next action: Keep monitoring (Within).
Fraud — after approval: Fraud ratio trending up; Network program threshold; next action: Notify the risk team (Watch).
Disputes — after approval: Disputes rising; Dispute monitor; next action: Prepare remediation (Watch).
Refunds — after approval: Refund pattern changed; Refund policy; next action: Review the merchant (Review).
Model change — after approval: Website content changed; Business-model rule; next action: Re-verify the evidence (Review).
Exposure — after approval: Portfolio exposure recalculated; Acquirer exposure limit; next action: Update the exposure report (Within).

Versioned rules · Evidence · Thresholds · Precedence — every action explained.

Runs asFull risksq workflowEmbedded decisions

Pre-underwriting

Evaluate application completeness, business evidence, compliance, financial condition, processing expectations, and policy requirements before approval.

Post-underwriting

Monitor transactions, fraud, disputes, refunds, business-model changes, exceptions, and portfolio exposure throughout the merchant relationship.

Autonomous or integrated

Run a complete quotasq risk workflow or embed governed decisions into existing underwriting and risk operations.

VAMPVisa Acquirer Monitoring Program

Explore combined fraud, dispute, enumeration, merchant, and portfolio ratios against current public U.S. guide thresholds.

See our interactive model Request information

GMAP · PROVISIONALMastercard Global Merchant Audit Program

Model reported 2027 merchant and acquirer conditions while keeping non-public bulletin assumptions clearly provisional.

See our interactive model Request information

These models are educational guides, not network determinations. Contact sales@quotasq.com to discuss a governed model built from your data.

Platform 02 · Underwriting intelligence

UnderwritingSQ

Underwriting intelligence
that grows with you.

A fully automated, AI-native underwriting platform for ISOs and acquirers, built on more than 20 years of payments-industry knowledge.

UnderwritingSQ combines agentic workflows, retrainable models, and governed learning to reduce avoidable risk while improving speed, consistency, and portfolio ROI.

Agentic underwriting

Coordinate intake, evidence, verification, analysis, exceptions, and decision preparation through specialized AI agents.

Retrainable models

Adapt approved models to portfolio performance, changing merchant behavior, and new market conditions with full version history.

Governed learning

Turn reviewed outcomes into controlled improvements as the business grows, with validation, approval, monitoring, and rollback.

20+ years of knowledge→Faster underwriting→Lower avoidable risk→Stronger portfolio ROI

Automation remains governed by each customer’s approved policy, delegated authority, model controls, and required human review.

Platform 03 · Document operations

docsq

Documents that move
at the speed of the decision.

docsq is a flexible, lower-cost document management and electronic signing platform built for merchant operations.

Create, organize, route, approve, send, sign, and retain business documents in a focused workflow that can stand alone or connect directly with RiskSQ, UnderwritingSQ, and existing systems.

01Create→02Review→03Sign→04Retain

Create and manage

Build reusable document templates, populate them from approved data, and keep files, versions, and supporting records organized in one controlled workspace.

Route and approve

Move documents through configurable review and approval steps with clear ownership, status, version history, and completion visibility.

Send and sign

Prepare electronic signing workflows, track outstanding actions, and retain completed documents without the cost and complexity of a heavyweight document stack.

Signing workflows, identity controls, retention settings, and legal requirements are configured to each customer’s policies, agreements, and applicable law.

Why quotasq

Built for decisions
that carry weight.

quotasq connects industry experience, controlled AI, and practical execution so teams can move faster without losing accountability.

Payments-native

Built from more than 20 years of merchant acquiring, underwriting, risk, and compliance experience.

Governed by design

Every rule, model, exception, and action remains explainable, versioned, reviewable, and aligned to approved authority.

Ready to operate

Deploy quotasq directly or connect it to the systems, data, and teams already supporting the merchant portfolio.

How quotasq fits

Autonomous when needed.
Integrated where it matters.

Use the quotasq experience directly or bring governed intelligence into the systems and teams already running the business.

quotasq interface

A focused workspace for underwriting, merchant review, portfolio monitoring, documents, evidence, and governance.

API & webhook

Return decisions, reason codes, document events, signature status, evidence requests, alerts, and rule or model context to existing systems.

White label

Deliver quotasq intelligence inside an ISO, processor, or acquirer-branded experience.

Direct integration

Connect approved underwriting, transaction, fraud, dispute, processor, sponsor-bank, and network sources.

Know your position