Merchant Risk. Finally Observable.
Move beyond self-reported data and outdated signals. Access real transaction behavior to make faster, more accurate underwriting decisions.
Get started for freeNo commitment. 30-minute walkthrough.
Underwriting Is Built on Incomplete Data
Merchant onboarding is too slow, too manual, and too uncertain. Risk decisions are still made without observing how a business actually performs.
Financial Data Is Hard to Interpret
Bank statements and tax returns require time-consuming analysis with no standardized output.
Identity Is Inconsistent
Business status varies across fragmented and inconsistent data sources, creating blind spots.
Loss Signals Are Lagging
Chargebacks, returns, and delinquencies are reactive — not predictive. You're always a step behind.
Decisions Rely on Weak Inputs
Firmographics and self-reported data fail to reflect real transaction behavior or risk posture.
The Most Important Signal Is Missing
Actual merchant transaction behavior — how a business performs, not what it claims.
Introducing Merchant Risk Rating™
A proprietary dataset that transforms raw transaction history into standardized, explainable, decision-grade risk ratings.
This is not another score. It's a missing data layer.
Built on Real Merchant Behavior
Actual Transaction Data
Real merchant behavior — not estimates or proxies from third-party sources.
Millions of Merchants Across Industries
Broad coverage from e-commerce to healthcare to logistics and beyond.
Payment Performance
Returns, reversals, and velocity signals derived from real transaction history.
Verified Identity
EIN-matched businesses tied to confirmed government and payment network records.
Sample Data Object
Standardized, decision-grade risk signals — returned in a single API call.
This Changes the Data Architecture
New System of Record
Structured merchant performance data your models and analysts can actually use.
Model-Ready Feature Layer
Explainable, standardized inputs purpose-built for ML underwriting models.
Real-Time Decisioning
From merchant onboarding to ongoing monitoring — risk signals when you need them.
You Can't Model What You Can't Observe
Move from blind spots to behavioral truth in merchant risk.
Schedule a 30-Minute Demo
See exactly how Merchant Risk Rating fits into your underwriting workflow.
Get started for free