---
title: "Manual Underwriting Process"
slug: "manual-underwriting-process"
updated: 2026-01-02T21:07:33Z
published: 2026-01-02T21:07:33Z
stale: true
---

> ## Documentation Index
> Fetch the complete documentation index at: https://resource.payrix.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Manual Underwriting Process

During the manual underwriting process, merchants you submit to Worldpay for Platforms via any of our various onboarding methods are immediately created within the API and Payrix Pro platform, but their boarding status is set to *Not Ready*. When a new merchant account has a *Not Ready* boarding status, users can still access the Portal to update their settings and configure most aspects of their account. However, they will not be able to process any payments until manual underwriting is complete and the merchant’s account is approved.

These merchants can only gain approval after a validation and data integrity review by the Payrix Pro Underwriting Team. During the review, the merchant’s boarding status is updated to *Manual Review* while being completed. Your Partner Experience Manager or the Payrix Pro Underwriting Team will provide you with feedback on the process results.

After a merchant account is approved to process payments, the boarding status updates to *Successfully Boarded*.

> [!NOTE]
> **Note**
> 
> New partners must undergo manual underwriting for each merchant they submit to Worldpay for Platforms.
> 
> New partner approval for [automated underwriting](/v1/docs/automated-and-instant-underwriting-process) is subject to the Payrix Pro Underwriting Team’s discretion. This decision depends on merchant industry types and other relevant factors after an initial period of manual underwriting.

A process that primarily focuses on the following key elements of the merchant’s application and the data provided when signing up for Payrix Pro:

- Validating the merchant’s business, known as *Know Your Business (KYB)*
- Validating the owners, known as *Know Your Customer (KYC)*
- Preventing illegal and fraudulent activity
- Validating the merchant’s bank account

A PayFac-as-a-service platform. Software companies can act as payment facilitators without taking on the associated risks, compliance burdens, and investment.