Keep checkout and support promises within signed payment terms

Compare fee, settlement, refund, failed-transaction, grievance and privacy positions in signed merchant and partner agreements with checkout screens, policy pages, help articles and support scripts. Product Operations can release corrected journeys only once Legal approves the wording and every gap is closed.

Starts when

Release that changes checkout, payment pages, help-centre or support copy
Signed amendment to a merchant or partner agreement on fees, refunds, disputes or privacy
Regulatory change affecting payment disclosures
Quarterly sweep of live merchant checkouts
Complaint showing a mismatch between a journey and the agreed terms

People in the process

PProduct OperationsProcess Owner
LLegalParticipating Team
PPartner ManagementParticipating Team
MMerchant SupportParticipating Team

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

Activate merchants only on a complete KYC file

For payment aggregators, bring the merchant's CKYCR record or due diligence, beneficial owners, settlement account, website and sanctions screening into one onboarding file. Merchant Risk can approve, condition or decline activation and keep unverified merchants off the escrow settlement list.

Merchant Risk

Verify merchant bank account changes before switching settlement

Tie each merchant change in ownership, business category, website or settlement account to the signed agreement, risk profile and fresh KYC and sanctions checks. Merchant Risk can re-rate the merchant and notify the acquiring bank before settlement moves, blocking account-change fraud.

Merchant Risk

Contain suspicious merchants and report them to FIU-IND

Compare a merchant's volumes, ticket sizes, refund and chargeback rates, payer patterns and linked merchants with the business it was approved for. Merchant Risk can decide holds, limits, suspension or termination on preserved evidence while Compliance files suspicious transaction reports on time.

FMC

Explore all Fintech & payments processes.

Order for the work. Room for the people.