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.

A new source file arrives or the scheduled reconciliation period closes.

People in the process

MMerchant RiskProcess Owner
MMerchant OperationsParticipating Team
AAcquiring BankParticipating Team
LLegalParticipating Team

Records it works with

Source ledgers and transaction schedules
Bank, counterparty or operating records
Approved adjustments and prior exceptions

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

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.

ACM

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Order for the work. Room for the people.