PREVENT
Merchant Monitoring
Verify a merchant’s business before you onboard them, then keep watching. Automated web presence review returns a pass, review or fail recommendation in seconds, and ongoing monitoring flags descriptor mismatches, prohibited activity and transaction laundering as they emerge.
DISCOVER
What is Merchant Monitoring?
Underwriting a merchant manually takes an analyst ten to twenty minutes per merchant — opening the website, working through a checklist, taking notes and screenshots, often going back to ask for more information. It does not scale, and it produces different answers depending on who did it.
Merchant Monitoring reads the merchant’s entire digital footprint automatically and returns a recommendation in seconds. Then it keeps reading, so you find out when a merchant drifts into something they did not disclose at boarding.
Automated Merchant Reviews
Web, content and operational signals assessed in seconds, returning pass, review or fail with the reasoning attached — against configurable rules and risk scoring set to your appetite, not a vendor’s.
Continuous Merchant Monitoring
Merchant websites and digital footprints watched for evolving risk signals, content changes and prohibited activity. Re-checks on a 7, 30 or 90 day cadence, with webhooks the moment something shifts.
Transaction Laundering Detection
Undisclosed activity, descriptor mismatches and high-risk merchant behaviour identified before they escalate.
What Gets Detected?
High-risk category: The business is selling in a category with elevated dispute and chargeback rates
Descriptor mismatch: Website content does not match the MCC or billing descriptor on file
Missing policies: No clear refund or return policy published
Limited transparency: Thin company or ownership information
Restricted claims: Potentially unsubstantiated claims, particularly in health and supplements
Business closure: The business appears to have stopped trading
