to be honest - it's a standard "terms and conditions" text, in reality we are checking ALL NEW MERCHANTS manually

Then that's great, I was a bit worried that might not be the case.

https://drive.google.com/file/d/1uboiNbpY88hjAhLJFB9s8c1c9JmuGxDx/view?usp=sharing

look to the screenshot from our content manager - you can see how many companies are declined

Thank you for that but if it isn't confidential, can you share what each column ^{[name of each category for evaluating registrations]} is for?