Why Customers Choose Worth for Faster, Smarter Underwriting

Worth helps teams onboard businesses faster, reduce risk, and scale underwriting without adding operational friction.

See why fintechs, ISVs, and payment leaders choose Worth to reduce onboarding time, improve data quality, and automate underwriting without added risk.

Merchant onboarding workflows were never designed for the speed and volume today’s fintechs, payment providers, and ISVs operate at. What should be a fast path to revenue too often turns into a bottleneck filled with repetitive data entry, back-and-forth emails, and manual reviews that slow everyone down.

In a typical onboarding flow, applicants are asked to complete dozens, and sometimes hundreds, of fields, many of which already exist across public and private data sources. Operations and risk teams are forced to chase missing information, reconcile conflicting records, and manually validate business details across disconnected systems.

As onboarding volume grows, so does the operational burden. Underwriting is hard to scale without adding headcount or accepting more risk. So how can enterprises scale their underwriting operations? 

According to Palantir’s CEO, Alex Karp, you can’t just slap any LLM on the entire underwriting workflow and expect it to function properly. It’s not precise enough. A recent study from MIT found that about 95% of enterprise generative AI pilots fail to deliver measurable business value or ROI. Customers need to leverage AI without producing errors.

Modern underwriting requires a different approach. AI that supports underwriters instead of replacing them. What we need is a platform that removes friction at the top of the funnel while strengthening data quality and decisioning behind the scenes.

What Customers Look for in a Modern Underwriting Platform

As onboarding volumes increase and regulatory expectations evolve, customers aren’t just looking to move faster. They’re looking for platforms that help them scale intelligently, without introducing new risk or operational complexity.

What outcomes do customers want when searching for an underwriting orchestration platform?

• Speed: First and foremost, speed has to be built in. Customers expect onboarding workflows that minimize manual effort for both applicants and internal reviewers. That means fewer required inputs up front, automated data collection behind the scenes, and workflows that move forward without constant human intervention.
• Confidence: Speed alone isn’t enough. Customers also need confidence in the data powering their decisions. Inaccurate, outdated, or mismatched business information can undermine underwriting outcomes and create compliance exposure. Flexibility: No two organizations assess risk the same way, and underwriting platforms must adapt to different business models, industries, and regulatory environments.
• Experience: A modern underwriting platform should reduce friction for businesses enrolling on day one, while giving operations, risk, and compliance teams a single, cohesive system to manage onboarding end-to-end. The goal is a workflow that scales smoothly as volume grows, without sacrificing control or visibility.

Why Customers Choose Worth

Customers choose Worth because it fundamentally changes how onboarding and underwriting get done. Instead of forcing teams to choose between speed and risk management, Worth delivers both through automation, intelligent data enrichment, and configurable decisioning built for scale.

At the front of the process, Worth dramatically reduces the burden on applicants. With just a few required inputs, the platform uses prefill and cross-walking technology to automatically gather and validate business data from multiple trusted sources.

Behind the scenes, Worth strengthens decision-making. Real-time validation, KYB signals, and automated checks help teams identify risk earlier and more consistently.

The result is a single onboarding and underwriting workflow that scales efficiently, improves data quality, and accelerates time-to-revenue.

Real Customer Outcomes Across Industries

Organizations across fintech, payments, and vertical SaaS choose Worth because it delivers measurable impact from day one.

Repay

By embedding Worth directly into its merchant underwriting and vendor onboarding processes, REPAY reduced time spent on onboarding while strengthening KYB risk mitigation. Intelligent data enrichment allows REPAY to quickly and safely add businesses to its ecosystem, without compromising compliance or operational efficiency.

Wave

Wave leveraged Worth’s customizable onboarding, prefill, and Lightning Verify capabilities to accelerate and improve SMB onboarding. The result was a streamlined enrollment process that reduces friction for applicants while giving internal teams greater confidence in the data driving underwriting decisions.

Priority

“Leveraging the Worth platform has already been a big win for us. Smarter, data-driven tools help us onboard merchants faster and more reliably while strengthening the connected systems behind our commerce platform. We’re excited to see how this partnership continues to enhance our operations.”
– Greg Snell, SVP of Operational Risk, Priority

PatientFi

PatientFi embedded Worth’s automated onboarding and underwriting platform to unify fragmented workflows into a single, end-to-end process that cut onboarding time by 50% 

Worth’s platform brought together:

• Instant Verification: Real-time NPI and state license checks via API.
• SSN-Optional Identitification: Modern, privacy-conscious compliance.
• Pre-Filled Data: Leveraging Worth’s 242M+ business dataset and 1,100+ live data points to accelerate approvals.
• Centralized Case Management: Automated risk scoring, GIACT alerts, and audit-ready documentation.

The Bottom Line: Underwriting That Scales With Your Business

As onboarding volumes grow and risk expectations increase, underwriting can no longer rely on manual processes and fragmented systems. Customers choose Worth because it gives them a better foundation that removes friction at the front of onboarding while strengthening decisioning behind the scenes.

Ready to see how Worth can simplify onboarding and underwriting for your business? 

Talk to our team today.