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.

A notice, complaint, missed commitment or disputed amount opens a case.

People in the process

MMerchant RiskProcess Owner
FFraud OperationsParticipating Team
MMerchant OperationsParticipating Team

Records it works with

Relevant agreement, policy or governing record
Transaction, performance and payment history
Notices, communications and supporting evidence

The process is a starting point.The standards are yours.

Configure for the entity’s actual role. Payment-aggregator, gateway and lending-partner obligations are distinct; the workflow must use the relevant permissions, partner contracts and reviewed requirements.

Keep the work connected.

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.

OAC

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.

MAL

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.

ACM

Explore all Fintech & payments processes.

Order for the work. Room for the people.