Merchant Risk Rating™
Move beyond self-reported data and outdated signals. Access real transaction behavior to make faster, more accurate underwriting decisions.
Merchant Risk. Finally Observable.
Move beyond self-reported data and outdated signals. Access real transaction behavior to make faster, more accurate underwriting decisions.
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.
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.
Millions of Merchants
Coverage across industries — from e-commerce to healthcare to logistics.
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.
Benchmarking
Industry and total population comparisons for every risk rating produced.
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.