Onyx Processing + LegitScript Merchant Risk Solutions
Onyx Processing is raising the bar for payment risk management—turning complex compliance challenges into opportunities for faster, smarter decisions. With LegitScript’s powerful combination of regulatory intelligence, advanced monitoring, and expert analysis, Onyx is moving from reactive investigations to proactive risk management. The impact is clear: greater visibility, faster action, fewer false positives, and less manual effort—empowering Onyx to protect its portfolio while confidently supporting merchants in specialized industries.
About Onyx Processing
Onyx Processing powers payments for everyone. They're on a mission to make payment processing accessible, secure, and simple for businesses of all sizes — especially those that others turn away.
"LegitScript moved us from reactive to proactive. […] We can prioritize the merchants and issues that matter most and make risk decisions with a level of confidence we didn’t have before."
Ruben Pizana, Chief Operating Officer at Onyx Processing
Q&A With Ruben Pizana
In the following Q&A, Ruben Pizana explains why Onyx chose LegitScript as its merchant onboarding and merchant monitoring provider, and how LegitScript’s domain expertise, technology, and consultative support have helped his team work more efficiently.
Why Did Onyx Processing Choose LegitScript Merchant Monitoring?
Onyx works with merchants that traditional processors may not be equipped to serve, so having the right risk and compliance support is critical. We were looking for a partner that could bring a deep understanding of the regulatory landscape together with technology that could keep up with our growth. LegitScript gave us that combination, helping us build a stronger foundation for supporting merchants across specialized industries.
When evaluating providers, what stood out about LegitScript’s solutions, data, or approach?
Three things set LegitScript apart: speed, depth, and precision. Underwriting results come back fast enough to keep our onboarding moving, but the intelligence behind them goes much deeper than anything we had seen before, especially in categories like pharma, telemedicine, gambling, and firearms, where specialized expertise really matters. And because LegitScript combines its data with human analysts, we get fewer false positives while still identifying risks that automated tools alone can miss.
How has LegitScript changed the way your team identifies, investigates, or responds to merchant risk?
LegitScript moved us from reactive to proactive. Our team now catches risk earlier with intelligence that’s enforcement-ready from the start. That means less manual digging, more consistent investigations, and a clearer understanding of where risk actually sits. We can prioritize the merchants and issues that matter most and make risk decisions with a level of confidence we didn’t have before.
Can you share an example of a challenging merchant, risk issue, or investigation where LegitScript made a meaningful difference?
One case that stands out involved an enterprise certification escalation with one of our ISO partners. Without LegitScript’s findings, we would have been negotiating without the full picture and likely would have made the wrong call. Instead, LegitScript gave us the specific, defensible evidence we needed to resolve the issue quickly and protect the relationship.
What measurable impact has LegitScript had for Onyx Processing?
LegitScript has cut our investigation time, reduced compliance losses, and freed up many hours of operational time per month. We now monitor a large percentage of our portfolio within a fraction of the manual effort it used to take — time our investigators can now spend on the risks that matter.
What has your experience been like working with the LegitScript team?
LegitScript doesn’t act like a vendor. They’re a true partner. The team is highly responsive, understands payments and risk, and brings recommendations to us before we have to ask. They took the time to understand how Onyx operates, and that context shows in the support and guidance they provide when we’re working through complex risk decisions.
Limited Time Offer
What's Hiding in Your Merchant Portfolio?
Get 5 free merchant risks on us.
Uncover content violations and transaction laundering risk before they become a problem.