One Platform. Complete Merchant Visibility.
MinRisk unifies merchant onboarding intelligence, continuous monitoring, transaction laundering detection, and verified 3D Secure payment flows into a single platform. Layered open intelligence delivers adaptive risk visibility across the full merchant lifecycle.
How It Works
Add Merchants
Import your portfolio in seconds. Single entries, CSV uploads, or Excel batch imports. No API integration required to get started.
Intelligent Scanning
Purpose-built scanners navigate websites like a real user: analyzing content, filling payment forms, capturing network traffic, and inspecting infrastructure.
Multi-Layer Analysis
Each merchant is evaluated through layered analysis built on dozens of signals, with risk outcomes prioritized across distinct severity levels.
Dashboard & Action
Real-time alerts, structured case management, deadline tracking, and reports aligned with Mastercard, Visa, and other card schemes.
How MinRisk Analyzes a Merchant
Each merchant passes through layered analysis built on dozens of signals that combine into a comprehensive risk profile.
Capabilities at a Glance
| Capability | Benefit |
|---|---|
| Layered Open Intelligence | Full risk picture from publicly available data, with no bank data and no integration delay |
| 3D Secure Payment Verification | Verified payment flow proven end to end. A signature MinRisk capability. |
| Multi-Layered Risk Analysis | Deep signal coverage spanning identity, infrastructure, payment flows, card network compliance, regulatory requirements, and custom policies |
| Platform-Specific Scanners | Purpose-built engines for major e-commerce platforms plus generic and recording modes |
| Payment Gateway Detection | Network traffic analysis identifies aggregator gateways and bank virtual POS systems |
| Card Scheme-Compliant Case Management | Automated case creation, status tracking, deadline management, with reports aligned to Mastercard, Visa, and other card schemes |
| Custom Policy Engine | Define internal risk rules beyond global standards, with your policies enforced automatically |
| Cross-Scan Change Detection | Compare scans over time to spot anomalies, content changes, and gateway migrations |
| Multi-Tenant Architecture | Acquirer-level data isolation with role-based access control and full audit trails |
Key Features
Onboarding Intelligence
Accelerate merchant acceptance without compromising security. Adaptive MCC validation analyzes page content and product catalogs to independently determine the correct merchant category.
- Adaptive MCC validation
- Screen against BRAM, VIRP & local regulations
- Pre-transaction risk assessment
Continuous Monitoring
Assign monitoring slots to your highest-priority merchants. Each slot ensures regular automated re-scanning with cross-scan change detection.
- Regular automated re-scanning
- Gateway switch detection
- Automated risk change alerts
Transaction Laundering Detection
MinRisk's dedicated TL scoring engine surfaces hidden payment flows by evaluating multiple signal groups across infrastructure, content, and behavioral patterns. For broader investigations into illegal-content networks beyond merchant portfolios, see RavenTrace.
- Multi-dimensional TL signal coverage
- Shell commerce indicators
- Content concealment detection
3D Secure Verification
MinRisk delivers verified, outcome-based evidence of every merchant's actual payment gateway, bank, and 3D Secure routing path. Documented proof acquirers can act on with confidence.
- Actual payment flow validated end to end
- Documented gateway, bank, and 3DS routing
- Verified payment flow evidence
Custom Policy Engine
Global card network rules are necessary but not sufficient. MinRisk lets you define additional risk criteria specific to your organization, industry, or market. Enforced automatically on every scan.
- Organization-specific rules
- Alongside BRAM & VIRP
- Automatic enforcement
See It in Action
Request a 30-minute live demo. MinRisk scans a merchant of your choice in real time and walks through the complete risk assessment.
Request a Demo