Value Added Services
Compliance doesn't stop at licensing. Once you're live and processing, the day-to-day work is in onboarding the right merchants, watching what's happening across your transactions, and responding effectively when something goes wrong.
Our Value Added Services give you that ongoing oversight. We work alongside your team as a managed service across three areas: merchant underwriting at onboarding, transaction monitoring and analysis once you're live, and independent investigations when a scheme raises a violation.
These services are gateway-agnostic. We provide them for clients on any payment gateway or processor.
Merchant Underwriting
We assist clients with the initial onboarding of merchants, giving you a clear, defensible basis for accepting, declining or monitoring each one. Our process combines online verification, scheme alignment and risk-based recommendations to set each merchant up for the right level of oversight from day one.
— Web crawling and review of the merchant's online presence to verify the business matches its declared activity
— TLD indicator flagging for domain indicators that point to prohibited, high-risk or misrepresented activity
— Accurate MCC assignment based on the merchant's actual business model
— Risk scoring to support onboarding decisions, pricing and the level of ongoing monitoring required
— Recommendation of velocity thresholds and monitoring rules tailored to each merchant's risk profile and business model
Where clients prefer us to carry out that monitoring on their behalf, the velocity thresholds and rules we set during underwriting feed directly into our transaction monitoring service.
Transaction Monitoring, Analysis & Reporting
We offer transaction monitoring and analysis as a managed service. Rather than just providing a tool, we actively review your data, flag patterns of concern, and advise you on the appropriate response, supporting your compliance obligations on an ongoing basis.
Monitoring
Ongoing review of transaction data to identify unusual or high-risk activity across your portfolio.
Analysis
Flagging patterns, anomalies and emerging trends, with a clear interpretation of what each means for your business and your risk position.
Reporting & Advisory
Structured reporting and practical advice to support decision-making, internal escalation and regulatory obligations.
This service is available to clients regardless of which payment gateway or processor they use, and does not depend on any third-party provider.
Independent Investigation
When a merchant has a violation flagged by a card scheme, we conduct independent investigations on your behalf to establish the facts to support build your response. We examine the merchant's patterns of activity, website and online behaviour to determine what has actually been happening, and equip you with the analysis you need to respond to the relevant card scheme.
Pattern Analysis
Independent review of the merchant's transaction patterns and behaviour around the period of the alleged violation.
Website & Behaviour review
Forensic review of the merchant's website, online presence and offering for evidence relevant to the alleged violation.
Scheme Response Support
Clear findings and supporting documentation prepared to assist you in responding to the scheme.