Merchant Underwriting

AI agents under your command let you take merchant underwriting risk management to a whole new level. Instantly identify risk, reduce manual work and turn fragmented data into confident decisions.

Get 5 digital footprint reports for free

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What Ballerine's AI
agents can do for you

Reduce false positives by 90%

Eliminate noise and speed up approvals with AI-powered context analysis that transforms unstructured data into a clear picture of merchant activity while dramatically reducing false positives.

Tailored to your merchant acceptance policy

Customize to suit your risk appetite and underwriting logic. Evaluate risk your way, with rule sets you can tailor by region, industry, or business type.

Get your reports in few minutes

Generate underwriting reports in minutes (not weeks) to stay compliant - while moving fast.

Gated content agent

Ensure access to gated content and membership areas to maintain full compliance with the new MMSP requirements.

High risk expert agents

Leverage trained high-risk agents to analyze not just what is being sold, but how it is sold, uncovering red flags unique to each high-risk vertical such as CBD, Crypto, Forex, Nutraceuticals, Pharma, Gambling, Adult, and more including FDA claims compliance, licensing requirements, CBD rules, warnings and disclaimers, and age-gating.

The AI agents your merchant risk team has always deserved

Check once or monitor continuously. 
Your choice.

AI-Powered Web Analysis of Restricted and Prohibited Content
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
Transaction Laundering Detection
Uncover hidden merchant activity masked behind seemingly legitimate storefronts by looking at common behaviours and patterns of transaction laundering.
Automatic Adverse Media and Reputation Checks Across the Internet
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
MCC Classification and Risk Mapping
Automatically assign Merchant Category Codes with contextual accuracy.
Behavioral and Channel Risk Signals
Analyze website traffic, online reputation, social presence, and digital breadcrumbs to assess merchant legitimacy.
Customizable Risk Scoring and Policy Logic
Apply your own underwriting logic using configurable rule sets, industry filters, and geography-based thresholds.
Underwriting Audit Trail and Explainability
No black boxes - only explainable, regulator-ready decisions backed by structured data and evidence.
Customized Fit Detection for Your Terms of Service
Ensure merchant business models align with your merchant acceptance policy.
Website Compliance Detection
Ensure that all necessary website compliance requirements are there and stay in place, from terms and conditions to privacy policy, SSL encryption, etc.
AI-Powered Web Analysis of Restricted and Prohibited Content
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
Transaction Laundering Detection
Uncover hidden merchant activity masked behind seemingly legitimate storefronts by looking at common behaviours and patterns of transaction laundering.
Automatic Adverse Media and Reputation Checks Across the Internet
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
MCC Classification and Risk Mapping
Automatically assign Merchant Category Codes with contextual accuracy.
Behavioral and Channel Risk Signals
Analyze website traffic, online reputation, social presence, and digital breadcrumbs to assess merchant legitimacy.
Customizable Risk Scoring and Policy Logic
Apply your own underwriting logic using configurable rule sets, industry filters, and geography-based thresholds.
Underwriting Audit Trail and Explainability
No black boxes - only explainable, regulator-ready decisions backed by structured data and evidence.
Customized Fit Detection for Your Terms of Service
Ensure merchant business models align with your merchant acceptance policy.
Website Compliance Detection
Ensure that all necessary website compliance requirements are there and stay in place, from terms and conditions to privacy policy, SSL encryption, etc.
AI-Powered Web Analysis of Restricted and Prohibited Content
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
Transaction Laundering Detection
Uncover hidden merchant activity masked behind seemingly legitimate storefronts by looking at common behaviours and patterns of transaction laundering.
Automatic Adverse Media and Reputation Checks Across the Internet
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
MCC Classification and Risk Mapping
Automatically assign Merchant Category Codes with contextual accuracy.
Behavioral and Channel Risk Signals
Analyze website traffic, online reputation, social presence, and digital breadcrumbs to assess merchant legitimacy.
Customizable Risk Scoring and Policy Logic
Apply your own underwriting logic using configurable rule sets, industry filters, and geography-based thresholds.
Underwriting Audit Trail and Explainability
No black boxes - only explainable, regulator-ready decisions backed by structured data and evidence.
Customized Fit Detection for Your Terms of Service
Ensure merchant business models align with your merchant acceptance policy.
Website Compliance Detection
Ensure that all necessary website compliance requirements are there and stay in place, from terms and conditions to privacy policy, SSL encryption, etc.

Your data, your way

Platform

Review findings in Ballerine’s case management system, with an easy and intuitive UI that makes analysis simple

API

Incorporate the checks into your flows, and use the findings in your existing platforms and processes

PDF Reports

Get a PDF file you can save as part of the merchant’s file, or share with other organizations when needed

Try Our Free Digital Footprint Analysis

Get 5 free digital footprint reports and explore how we can help protect your business from risk

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approach merchant underwriting?

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