Continuous Vigilance
Know your portfolio is covered.
Account for the assessments due across your merchant portfolio. See incomplete checks and coverage gaps, with a clear record of what ran and what still needs attention.
Merchant Radar
Protect your revenue as merchant risk changes
See deteriorating merchant risk earlier. Identify what’s driving the deterioration, find the lightest possible intervention to mitigate the risk and always be able to defend your decisions.
For acquirers, PSPs and payment facilitators.
- See emerging risk earlierGives you more tools and time
- Smallest effective interventionPreserve the healthy processing volume
- More efficient reviewSlash human review time
- Defend your decisionsStrengthen your compliance posture
The commercial challenge
If you are identifying risk from reports, you’re already too late
The time lag built into dispute and fraud reports means that by the time you are measuring reports received, the damage is already done.
Behaviour changes
Time to choose
- ContinueMonitor as evidence develops
- InvestigateResolve a specific concern
- Target the interventionProtect unaffected processing
Seven capabilities for merchant risk control
Manage each merchant with precision
Know where attention is needed, what action would change the risk and which processing can continue. The same decision process applies across scheme obligations, regulatory requirements and your own policies.
Behavioural Dynamics ↗
Get ahead of deterioration.
Learn each merchant’s normal behaviour and recognise meaningful changes in direction and pace. Relate current activity to later exposure, giving your team time to investigate and respond.
Negative Clearance
Justify continued processing.
Make continued processing an explicit decision supported by current evidence and applicable policy. See the reasons, conditions and gaps behind each assessment, with clearance reassessed as the merchant’s position changes.
Bottom-up Localisation
Protect the volume worth keeping.
Identify the transaction groups driving the exposure. Compare targeted controls with broader restrictions, including projected risk reduction and processing affected, to find the smallest effective response.
Curated Human Intervention
Make expert review count.
Give investigators the evidence and the specific question that needs their judgement. Capture merchant explanations, assign the response to the right authority and follow through on commitments and recovery.
Policy Guard
Keep policy in control.
Set the requirements, internal warnings and authority limits that govern each assessment. Test a proposed policy against portfolio data, approve it and retain the version used for every decision.
Evidence Vault ↗
Defend the decision as made.
Retrieve what was known, how it was assessed and who decided. Preserve the original evidence and reasoning alongside later developments, so reviewers can reconstruct both the decision and its consequences.
Powered by UMNAI Hybrid Intelligence
Inspect the intelligence behind the decision
Explainable neural models learn merchant patterns and their relationship to later outcomes. Explicit reasoning combines those findings with business knowledge and policy to assess the response.
Explore Hybrid Intelligence ↗- Explanation from the model itself.Inspect the learned conditions and interactions behind a finding.
- Expertise participates in the assessment.Merchant context and reviewed findings inform the judgement.
- Experience informs controlled improvement.Compare forecasts with mature outcomes; test and approve changes.
Your policy. Your authority.
Keep control of the response
A recommendation, an approval and an active restriction are separate events. Merchant Radar keeps the evidence, responsibilities and follow-through clear at each point.
Policy Guard and Evidence Vault connect the decision to the requirements applied and the information available at the time.
Apply the right requirements
Keep scheme criteria separate from your internal warnings, risk tolerances and approval limits.
Keep material action accountable
Authorised people determine intervention scope, conditions and review points.
Reconstruct the decision
Retrieve source evidence, forecasts, reasoning, policy versions and human findings as known then.
Check what happened next
Separate implementation from effectiveness, and late reports from evidence of continuing deterioration.
Visa VAMP Excessive Merchant
Assess received fraud and dispute reports alongside projected exposure, reporting delays and developing merchant behaviour.
Modular by assessment target
Start with a defined exposure. Extend the same foundation.
Agree the target, applicable rules and evidence for your portfolio. Additional assessments reuse the merchant and payment data foundation, with their own policy and decision logic.
Wider assessment areas
- Mastercard fraud and chargeback exposure
- Card testing and enumeration
- Merchant activity and profile consistency
- Suspicious payments and refunds
- Fulfilment and future-delivery exposure
- PayFac and intermediary oversight
Coverage and delivery scope are agreed for each deployment. Separate scheme and statutory obligations retain their own applicability and evidence requirements.
Establish the value in your portfolio
Begin alongside your existing controls
Use a selected merchant segment and assessment target. Connect merchant, authorisation, settlement, fraud and dispute data; compare the assessments with your current process before expanding operational authority.
Warning lead time
When does useful evidence emerge relative to mature fraud and dispute reports?
Review effort
How much work is needed to reach a supported merchant decision?
Processing retained
What continues under the agreed controls, and with what later outcomes?
Decision traceability
Can a reviewer reconstruct the evidence, approval and action?
How much merchant volume could a more precise response protect?
Explore Merchant Radar against the exposures, data and decisions that matter in your acquiring business.