The

Open Source

Risk Decisioning Platform

Holistic, AI-Driven Merchant Acquiring Platform

Merchant Risk Management
as a Competitive Advantage

Ballerine helps financial institutions serve merchants at scale, ensuring compliance with card schemes, preventing fraud, and reducing operational costs.

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Traditional KYB, web crawling tools, and tedious manual work would not provide you with the "real" risk of merchants at scale. Deploy AI-driven, holistic risk management with Ballerine today.

Backed by top investors and leaders from

Try it now

Submit a Merchant,
Get an AI Risk Report

Check your merchants for card scheme violations and fraudulent activities.

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Why Ballerine?

Customize risk processes across the SMB lifecycle

Everything you need to seamlessly onboard, investigate, verify, and monitor SMBs.

Stay ahead of regulation and fraudsters

Leverage AI, data sources and best practices to enhance your compliance and fraud prevention processes

Launch new services and GEOs, fast!

Streamline expansion with simplified workflow creation for new products and GEOs

Keep your operational workforce lean

Automate your decisions, and optimize your operational workflows to scale without any extra hiring

Stay future-proof

Extend the platform’s capabilities to fit your needs, with an infrastructure tailored for different industries, geographies, and risk types.

Featured on

Modular Risk Building Blocks
‍use them separately or all together

Underwriting

Ongoing Monitoring

Continuous, Real-Time Review of the Merchant's Activities Throughout its Lifecycle

Efficiently identify merchant’s industry-specific risks using a comprehensive tool that detects transaction laundering attempts, exposes connected violating sites, evaluates price, and transaction consistency, all while maintaining adherence to card scheme compliance standards for secure and intelligent underwriting.

AI-generated analysis of the merchants at onboarding and ongoing transactions.

Combine open web, dark web, and private blacklists for a full view of your merchants.

Adhere to card scheme and acquiring banks compliance

Onboarding

Ongoing Monitoring

Merchants Integrity Alerts (MIA) Service

Join Ballerine's collaborative network to leverage real-time data from other FIs, the open and dark web, and prevent bad actors from your portfolio while benefiting from one of the largest databases of malicious entities engaged in IP infringement, illegal product sales, gambling, and fraud.

Terminated and declined merchants data, from our network of processors

Extended data gathered from open web, the dark web, and merchants directly violating rules online

Not just the bad, Positive indicators allow for faster onboarding with less friction, checks, and manual work

Back office

Personalized Platform for Efficient Manual Review Processes

A customizable case management system for reviewing and taking decisions on cases. Improve efficiency by tailoring case views and workflows, consolidating customer data and communication, and empowering agents to take action.

Holistic view of business customers, including 3rd party data

Manage user communication and info collection efficiently

Support teamwork between agents, roles and departments

Analyze, monitor and audit with data and analytics

Collection Flows

Dynamic Data & Documents Collection Flows for a Smooth Onboarding Process

Streamline your business verification process with a custom KYB flow. Request supplemental documents at any point, reducing back-and-forth communication. Efficiently collect business information and ensure a hassle-free verification experience.

Toolbox Essentials

Open Banking

Access real-time financial data for deeper user insights, enhancing transparency and financial health assessment.

Identity Verification

Validate user identities with precision, safeguarding against impersonation and fraud.

Sanctions Screening

Scan global databases to flag potential partners or users linked to criminal or high-risk activities.

Website Monitoring

Track online presence, ensuring your partners maintain compliant and reputable web activities.

Merchant Blacklists

Cross-check users with Visa and Mastercard's blacklists, preventing associations with flagged merchants.

Company Structure Check

Dive deep into business hierarchies, revealing hidden stakeholders and potential conflict points.

Business Verification

Authenticate the legitimacy and operational history of potential business customers for trusted usage.

Document Signing

Secure and streamline documentation with digital signatures, ensuring authenticity and reducing manual processes.

Document Collection

Streamline the gathering of essential documents from users, ensuring completeness and compliance.

AI-Powered Modules

Harness advanced technologies to enhance accuracy and automate risk assessments, optimizing decision-making.

eIDs

Authenticate user identities swiftly with recognized electronic ID solutions, fortifying trust and security.

Risk Score

Provide a tailored risk score for users or businesses based on various parameters, assisting in decision-making.

And more

Unified API

One integration for all of the business data you need

Connect to various data sources, government lists, ID and document verification providers, open banking, and more, with one unified API.

Bank Statement

EIN/TIN

PEP Check

Identity Verification

Line of Business

Address Verification

OCR Extraction

Bank Validation

Bank Statement

EIN/TIN

PEP Check

Identity Verification

Line of Business

Address Verification

OCR Extraction

Bank Validation

Bank Statement

EIN/TIN

PEP Check

Identity Verification

Line of Business

Address Verification

OCR Extraction

Bank Validation

Bank Statement

EIN/TIN

PEP Check

Identity Verification

Line of Business

Address Verification

OCR Extraction

Bank Validation

MCC

Company structure

Certificate of Incorporation

Website & Social

Government Data

Electronic Verification

Fraud Checks

Electronic Verification

eIDs

MCC

Company structure

Certificate of Incorporation

Website & Social

Government Data

Electronic Verification

Fraud Checks

Electronic Verification

eIDs

Unlock valuable customer insights during onboarding and beyond with an all-in-one API.Drive automated decisions, boost conversions, combat fraud, and deliver an exceptional customer experience.

Features

Workflow engine

Build workflows is built that react to changes in a user's risk assessment, triggering appropriate actions such as requesting more info, enriching data, or manual review. This enables you to effectively manage risk while maintaining a seamless customer experience.

Build easy-to-maintain workflows

Provide visibility to the rest of the dev team, see example

Add steps in real-time when the user’s risk level is still unclear

Create better converting processes for good users

Features

Workflows

Build workflows that react to changes in a user's risk assessment, triggering requesting more info, enriching data, or manual review. Effectively manage risk while maintaining a seamless customer experience.

Rule engine

Set up rules based on your compliance, fraud, and product requirements, to automatically process and evaluate user data to ensure regulatory compliance, prevent fraud, and enforce policies.

Integrations

Connect to various data sources, government lists, ID and document verification providers, and more with our unified standardized data API.

Custom API

Connect to external providers or in-house tools and seamlessly integrate them into your workflows to mitigate risk.

Headless SDK

Control the course of a user flow based on their answers and data in real-time through our dynamic headless SDK. allowing for custom experiences based on the current user risk.

Need anything else?
We’d love to hear and help out.Leave your information below and we’ll get in touch

Ran Nachman

VP Regulation Solutions | eToro

“Proactively navigating fintech regulations requires faster technology adoption. Next-gen compliance infrastructures should seamlessly integrate with existing and new systems and data sources.”

Michael Vaughan

Former COO | Venmo

"Compliance and fraud procedures are fragmented and complicated, varying across distinct geographies and sectors. By consolidating these procedures into a flexible, open system, we can significantly streamline operations for financial services.”

Michael Tannenbaum

COO | Brex

“For mission-critical processes like onboarding and risk monitoring, fintech companies cannot compromise on control and flexibility. An open-core approach provides a new, ideal middle ground in the build-vs-buy paradox."

Built on Open Core

Flexible

Full flexibility on the code level, enabling limitless building capabilities to address any use case.

Future proof

Be adaptive to future requirements by adding your own code, features & integrations.

Secure & private

Adhere to your own security and privacy measures, with on-premise, self-hosting, and data ownership.

Talk to us

We would love to learn about your use case and challenges, so we can help out or build our open-source modules to fit your needs.Leave your information and we’ll get in touch.

Contact information

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Holistic, AI-Driven Merchant Acquiring Platform

Merchant Risk Managementas a Competitive Advantage

Submit a Merchant,Get an AI Risk Report

Why Ballerine?

Customize risk processes across the SMB lifecycle

Stay ahead of regulation and fraudsters

Launch new services and GEOs, fast!

Keep your operational workforce lean

Stay future-proof

Modular Risk Building Blocks‍use them separately or all together

Continuous, Real-Time Review of the Merchant's Activities Throughout its Lifecycle

Merchants Integrity Alerts (MIA) Service

Personalized Platform for Efficient Manual Review Processes

Dynamic Data & Documents Collection Flows for a Smooth Onboarding Process

Open Banking

Identity Verification

Sanctions Screening

Website Monitoring

Merchant Blacklists

Company Structure Check

Business Verification

Document Signing

Document Collection

AI-Powered Modules

eIDs

Risk Score

One integration for all of the business data you need

Features

Workflow engine

Features

Workflows

Rule engine

Integrations

Custom API

Headless SDK

Built on Open Core

Flexible

Future proof

Secure & private

Talk to us

Contact information

Merchant Risk Management
as a Competitive Advantage

Submit a Merchant,
Get an AI Risk Report

Modular Risk Building Blocks
‍use them separately or all together