Keep money, partnersand obligations in sync.

Merchant Risk & Partner Onboarding

Approve merchant activation from a risk-ready file

For a payment aggregator, connect merchant identity, business model, settlement account and website checks to its applicable due-diligence tier. Route exceptions to risk and the acquiring bank where required before authorised activation.

Merchant Risk & Partner Onboarding

Reassess merchant changes before settlement terms drift

Link ownership, product category, website and bank-account changes to the signed merchant agreement and risk profile. Decide which rechecks and partner notifications are required before the PA changes live settlement instructions.

Merchant Risk & Partner Onboarding

Investigate merchant activity outside approved profile

Compare transaction patterns, refund levels and complaints with the merchant’s verified goods or services. Give the PA risk team a documented decision on limits, investigation or relationship action.

Merchant Risk & Partner Onboarding

Answer acquiring-bank reviews from one merchant record

Assemble the merchant’s reviewed profile, due diligence, transaction exception decisions and agreement versions for the bank’s request. Resolve contrary records before an authorised disclosure, keeping the PA and bank roles distinct.

Settlement & Disputes

Explain merchant settlement breaks before approving correction

Join captured transactions, refunds, chargebacks, fees and bank credits to explain a PA merchant payable. Operations approves the ledger correction or partner query after reconciling the exception, preserving who owed what.

Settlement & Disputes

Substantiate payment aggregator escrow balances for audit

For a PA with an applicable escrow obligation, reconcile bank balances to merchant liabilities, permitted debits and open settlement breaks. Finance prepares traceable schedules for the statutory auditor to certify before authorised submission.

Settlement & Disputes

Defend chargebacks with transaction and fulfilment evidence

Gather authorisation, merchant order, delivery or service proof and refund history against the network reason code. Disputes specialists decide whether to represent, accept or seek merchant recovery within the scheme process.

Settlement & Disputes

Reconcile partner fees to signed transaction economics

Apply rate tables, slabs, reversals and taxes to processed volumes; expose fee disagreements and contract changes before finance accepts the partner invoice or passes charges to merchants.

Settlement & Disputes

Resolve failed payments across rails and participants

Match payer debit, rail status, beneficiary credit and reversal references. Send the right participant an evidenced query while customer support uses the approved resolution and any applicable compensation position.

Product, Compliance & Regulated Partnerships

Classify a new payment flow before launch

Map who holds funds, contracts merchants, instructs settlement and supplies technology. Compliance and counsel decide whether the business acts as PA, gateway or another participant before product adopts the applicable controls.

Product, Compliance & Regulated Partnerships

Carry approved payment terms into customer journeys

Compare the signed merchant and partner positions on fees, refunds, privacy and disputes with checkout and support copy. Product owners approve necessary changes before release so live promises match agreed operating roles.

Product, Compliance & Regulated Partnerships

Verify lending-partner disclosures at each release

For an LSP, compare the regulated lender’s approved terms, key facts and grievance details to app screens and change tickets. Obtain lender sign-off on deviations before publishing the borrower journey.

Product, Compliance & Regulated Partnerships

Reconcile default-loss guarantee performance with the agreement

Where a regulated lender has an eligible DLG arrangement, compare the fixed covered portfolio, defaults, claims, security and recoveries to approved terms. Finance and risk decide invocation and accounting without obscuring underlying loan classification.

Product, Compliance & Regulated Partnerships

Turn signed partner controls into tested operations

Translate service reporting, data access, incident, audit and termination clauses into named owners and periodic evidence. Partner managers review missed controls with the counterparty before renewal or scope expansion.

Product, Compliance & Regulated Partnerships

Coordinate a payment incident against partner obligations

Assemble transaction impact, outage timeline and restoration facts alongside network and contract notice rules. Compliance and the responsible regulated entity decide what to report, while operations owns customer correction.

Customer Resolution & Support

Carry borrower complaints across the LSP boundary

Join app-support history and lender account events; assign investigation and proposed remedy to the regulated lender’s grievance officer. Return one approved answer to the borrower with evidence of any correction.

Customer Resolution & Support

Trace refund promises to confirmed customer credit

Connect merchant approval, PA ledger, processor reversal and issuer confirmation. Support can explain a delayed refund, escalate the responsible party and close the case when credit is evidenced.

Customer Resolution & Support

Resolve disputed merchant settlements with a defensible explanation

Bring payout holds, chargebacks, reserves and signed commercial terms into one merchant case. Settlement and risk owners decide whether to release, adjust or maintain the hold, and support explains the approved basis.

Legal & Assurance

Negotiate the actual payment responsibilities in partner contracts

Compare draft clauses for settlement timing, reversals, data, dispute evidence and incident cooperation with the payment flow. Counsel resolves mismatched roles before signing and flags operating controls for each owner.

Legal & Assurance

Assemble regulated-partner assurance without stale evidence

Map a bank or regulated lender’s request to current policies, test results, incident history and subcontractors. Control owners approve disclosure and partner management answers exceptions with a dated, sourced pack.

Legal & Assurance

Keep dispute evidence usable after a partner exit

Inventory transaction and customer records, access rights, retention duties and unresolved cases under the signed contract. Legal and operations approve export and deletion steps while preserving evidence for live claims.