Merchant Risk Solutions
A Faster Path to Safe Revenue Growth
LegitScript equips Acquirers, Sponsor Banks, ISOs, and PayFacs with the risk signals, network intelligence, and regulatory expertise to underwrite faster, monitor smarter, and grow into high-risk verticals with confidence.
Our Solutions
Manage Risk Across the Full Merchant Lifecycle
From the first KYC check to ongoing merchant monitoring, never lose sight of who you’re doing business with. Every risk flag is documented, every decision is defensible, and every audit is ready when you need it.
Accelerate underwriting from days to minutes
Detect transaction laundering and prohibited content
Grow in high-risk markets more confidently
Backed by expert-verified data, and the industry’s deepest regulatory expertise.
Verify & Decide
Merchant Underwriting
A unified verification and decisioning platform combining KYB, KYC, fraud detection, and LegitScript’s proprietary risk signals. Clean applications clear in minutes, with a full audit trail on every decision.
Watch & Act
Merchant Monitoring
Continuous, expert-verified intelligence on BRAM and VIRP violations, prohibited products, and policy breaches across 60+ high-risk verticals and 18 languages.
Investigate & Confirm
Transaction Laundering Detection
Investigative analysts, test buys, and 20 years of fraud network data uncover hidden front sites and shell merchants. Included standard with Merchant Monitoring.
Certify & Unlock
Enterprise Certification
A third-party verified compliance credential for high-risk healthcare merchants, recognized by Visa, Mastercard, Google, Meta and more. Strengthen compliance and accelerate growth.
Ask & Apply
Risk Intelligence
Actionable intelligence reports calibrated to your highest-risk verticals, recurring expert reviews, network identification, and curated datasets to help you grow revenue safely.
Defend & Scale
Mastercard MMP Provider
Perform continuous merchant risk scanning, content reviews, and transaction laundering detection while meeting Mastercard requirements.
Be MMP-ready.
What It Means for Your Portfolio
A Faster Path to Safer Revenue Growth
1
Accelerate underwriting decisions from days to minutes.
Automated KYB/KYC, decision workflow orchestration, and pre-integrated risk signals streamline onboarding without sacrificing accuracy or auditability.
2
Catch violations in real time, not at monthly review.
Continuous merchant content monitoring and daily risk checks across 60+ high-risk verticals, with analyst-verified alerts delivered as risk is detected.
3
Detect transaction laundering that AI-only solutions can’t see.
Investigative analysts, supported by 20 years of fraud network data, surface confirmed launderers, not just suspicions, saving clients tens of millions of dollars in BRAM and VIRP fine exposure each year.
4
Grow safely into high-risk verticals.
Enterprise Certification, regulatory expertise, and Risk Intelligence Solutions help you enter the categories where margin lives without inheriting the risk.
5
Defend every decision.
Every signal, every recommendation, and every audit trail is built for sponsor bank reviews, card network audits, and regulator inquiries.
6
Our team tracks 500+ regulatory actions of regulatory change.
A team that tracks 8,500+ regulatory actions and data across merchants, ad platforms, marketplaces, and social media to keep jurisdictional shifts on your radar before they affect your business.
The Numbers Behind the Mission
Who We Serve
Built for the Teams Making the Call
Merchant Risk Solutions is designed around how Acquirers, Sponsor Banks, ISOs, and PayFacs actually work, function by function.
Underwriters
Auto-approve low-risk applications with confidence, and spend judgment only where it's needed.
Credit & Risk
Implement policy consistently and streamline oversight, monitoring, and transaction laundering detection.
Go-to-Market
Expand into high-risk verticals and new acquisition channels, and activate merchants faster.
Operations
Automated routing and workflows cut manual intervention and reduce operating costs.
Technology
One vendor, one integration, less burden on upfront development and ongoing maintenance.
See What LegitScript Merchant Risk Solutions Can Do for You
See our solutions in action. Get an underwriting, monitoring, certification, or risk intelligence services demo, scoped to your portfolio and your risk tolerance.