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Merchant Monitoring

Know when merchant risk changes

Persistently detect new risk across merchant portfolios. Identify meaningful changes, focus review where risk requires attention, and act before exposure grows.
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CONTINUOUS MONITORING, DONE RIGHT

Monitor merchant risk as it evolves across the lifecycle

Merchant-Monitor

Monitor merchant activity and reputation

Track changes in merchant websites, products, claims, reputation, and external risk signals after approval.

With Persistent Merchant Monitoring
With Reputation Monitoring
Make confident decisions

Keep merchant information current

Keep merchant information current as business activity changes and additional websites emerge.

With MCC Verify
With WebID
Detect hidden risk

Detect hidden product and storefront risk

Identify exposure inside marketplace catalogs or behind storefronts designed to conceal the merchant’s true operation.

With Smart Scan for Acquirers
With Front Site Detection

Ready to stay ahead of merchant?

Monitor merchants and act on risk as it emerges

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FAQs

How often are merchants monitored?

It depends on the risk. Merchant websites are monitored continuously. Reputation checks run on a schedule you set by merchant group, from daily to monthly. Smart Scan can run on demand or on a regular cadence.

Does this support Mastercard MMP and Visa VARS requirements?

Yes. For merchants onboarded on or after January 1, 2026, Persistent Merchant Monitoring supports Mastercard MMP requirements for gated content monitoring, documented evidence, and 15-day remediation, and WebID supports complete merchant data. For Visa VARS, MCC Verify supports product and MCC alignment. Global Onboarding supports the remaining requirements, including the initial scan before the first transaction, identity and contact verification, and consumer policies and disclosures.

How do you keep alerts actionable?

Automated analysis finds potential website violations, then expert review confirms severity and separates real risk from noise. Findings can include screenshots, risk classification, rationale, and source URLs. Reputation results are compared with prior findings, so you see what changed instead of re-reviewing what didn’t.

Can monitoring be tailored to our portfolio?

Yes. With Persistent Merchant Monitoring, you can configure monitoring by risk level, region, merchant group, or policy, set different requirements across ISOs, PSPs, or portfolio segments, and adjust categories and thresholds as your priorities change.

Does it scale?

We monitor more than 50 million merchants and have reported more than 17 million content violations. MCC Verify provides 95% portfolio coverage for MCC accuracy validation.