How should favorite lenders work inside deal matching?
ISOs may want a preferred lender list without losing access to the full market view. What should favorites change—and what should remain identical?
10 replies
Favorites should narrow the search scope, not change criteria logic or boost a lender’s match result.
The same passed, failed, and unresolved checks must appear whether scope is favorites or all lenders.
A favorite is an ISO preference, not a lender endorsement or evidence of approval likelihood.
Should the system automatically fall back to all lenders when no favorite matches?
Offer the fallback explicitly and show that the scope changed. Never broaden the search silently.
That gives the broker control while making it clear to the merchant how the shortlist was produced.
Teams also need shared company favorites and private user favorites as separate lists.
Permissions should determine who can edit the shared list, with an audit log for changes.
API requests can accept a documented scope parameter and return the applied scope in the response.
Favorites are a transparent filter only; matching evidence, explanations, and eligibility rules stay the same.