MinRisk unifies merchant onboarding intelligence, continuous monitoring, transaction laundering detection, and 3D Secure payment verification into a single platform. Powered by multi-layered risk analysis and open-source intelligence.
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Purpose-built scanners navigate websites like a real user — analyzing content, filling payment forms, capturing network traffic, and inspecting infrastructure.
Every merchant evaluated against Trust Score (5 layers) and TL Score (6 groups). Risk levels: Low, Medium, High, Critical.
Real-time alerts, MMSP-compliant case management, status tracking, and Mastercard-format report exports. Everything in one place.
Every merchant passes through 5 independent analysis layers — each generating signals that combine into a comprehensive risk profile.
| Capability | Benefit |
|---|---|
| 360° Open-Source Intelligence | Full risk picture from publicly available data — no bank data, no integration delay |
| 3D Secure Payment Verification | Only MinRisk proves the actual payment flow. No other MMSP offers this. |
| 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 |
| MMSP-Ready Case Management | Automated case creation, status tracking, deadline management, Mastercard-format exports |
| Custom Policy Engine | Define internal risk rules beyond global standards — 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 |
Accelerate merchant acceptance without compromising security. AI-powered MCC validation analyzes page content and product catalogs to independently determine the correct merchant category.
Assign monitoring slots to your highest-priority merchants. Each slot ensures regular automated re-scanning with cross-scan change detection.
MinRisk's dedicated TL scoring engine evaluates six signal groups to uncover hidden payment flows that traditional methods miss.
This is what sets MinRisk apart. Our scanner fills actual payment forms with test card data, follows the 3D Secure redirect chain, and captures every network hop. Verified evidence of which payment gateway, bank, and 3D Secure path a merchant actually uses.
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.
Request a 30-minute live demo. We'll scan a merchant of your choice in real time and walk through the complete risk assessment.
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