Approve merchants in seconds. Know exactly who you approved.
AiPrise verifies merchants and their owners from the details you already collect, confirms from their web presence that the business is real and sells what it says it sells, and watches every merchant for drift after approval. From a sole proprietor with no website to a multinational with subsidiaries in twenty countries, on one platform.
Trusted by the platforms that put merchants in business
Built for the moments that cost apayments company a merchant or a loss
Merchant onboarding is a race and a risk at the same time.
The merchant who cannot take payments on day one
The merchant who cannot take payments on day one
A 24-hour underwriting SLA is a day the merchant spends signing up with a competitor. If the happy path is not automated, every application waits for a human.
The storefront that is not what it says
The storefront that is not what it says
A clean application, a plausible website and a prohibited business behind both. Transaction laundering does not show up in registry data. It shows up in what the merchant actually sells.
Fraud that looks like a small business
Fraud that looks like a small business
Bust-out merchants, fake sole proprietors and account takeovers skew toward the smallest applicants, who also have the least data to check.
The merchant with reviews but no website
The merchant with reviews but no website
Restaurants, trades and local services have a digital presence on maps, reviews and social pages and no URL. Website-based checks return nothing on the fastest-growing part of your pipeline.
The merchant with forty subsidiaries and owners in six countries
The merchant with forty subsidiaries and owners in six countries
Enterprise merchants arrive with layered ownership, entities in several jurisdictions and documents in five languages. Untangling who actually owns the account takes weeks of analyst time.
The merchant who changed after you approved them
The merchant who changed after you approved them
A new owner, a new product line, a rating that collapsed, a domain that moved. Approval is a snapshot, and the portfolio drifts away from it every day.
Who wework with
Payment facilitators and PSPs
Underwriting sub-merchants at volume
Acquirers and ISOs
Verifying merchants and their owners before boarding
Payout and disbursement platforms
Verifying the businesses and people they pay
POS and vertical software with embedded payments
Onboarding merchants inside their own product
Payment gateways
Verifying at signup and re-verifying at risk thresholds
Merchant verification built for speed, legitimacy and what happens after approval
Know the business behind the merchant account
Registry data confirms a business exists. It does not tell you what the business does. Athena finds a merchant's digital presence from its name and location, works out what it actually sells, and checks that against the application.
Athena Agent finds web, maps, review and social presence from name and location alone, including merchants with no website, and Website Agent assesses the site itself when one exists
Classifies what the merchant sells and flags mismatches with the stated industry
Detects prohibited categories, scam site patterns and high-risk addresses
Fraud network detection links merchants that share a favicon, email, phone or template
Every merchant, from a sole proprietor to a multinational
A small merchant abandons when asked for paperwork. A large one arrives with more structure than any analyst can untangle by hand. AiPrise handles both on the same platform.
Small merchants: business match, registry status and tax ID validation from name and address
Enterprise merchants: UBO and director discovery across jurisdictions, KYC in each owner's country
Enhanced due diligence with Document Agent on incorporation documents and licences
Automated requests for information: the merchant submits and AiPrise re-verifies
Straight-through decisions, fully documented
The happy path should take seconds and leave a complete file. AiPrise applies your underwriting policy, and Athena returns approve, review or decline with the evidence attached.
Athena returns a verdict with reasoning and evidence on every merchant
Document Agent checks any documents you collect for tampering, in seconds
AML Agent screens owners and businesses and scores every hit
Risk scoring and configurable rules, so only exceptions reach an analyst
Keep every merchant verified after approval
Merchants change after approval. AiPrise watches for the changes that matter and tells you, with the reasoning attached.
Drift detection on web presence
Drift detection on web presence
Rating collapse, product line change, domain move or content shift, explained in plain language
Change-triggered KYB monitoring
Change-triggered KYB monitoring
A new report when ownership, registration or status changes
Continuous AML rescreening
Continuous AML rescreening
AI-scored hits routed into your case management system
Re-verification at risk thresholds
Re-verification at risk thresholds
Volume, ticket size, ownership change or any trigger your policy defines
Built for the obligations that come with boarding merchants
Depending on your model, your obligations come from your acquiring or sponsor bank, from the card schemes, or from your own licence.
What the obligations ask for
Merchant identity and business verification before boarding
Beneficial ownership and control persons
Prohibited business categories and transaction laundering controls
Ongoing monitoring of the merchant portfolio
What AiPrise produces
Registry match, tax ID validation and good standing with source evidence
UBO discovery and identity verification on each owner
Athena and Website Agent classification of what the merchant sells, with mismatch flags
Drift detection, change-triggered KYB monitoring and continuous rescreening
AiPrise produces the evidence on every merchant, from a single storefront to a group structure, and hands it to your underwriting policy and case management.