Platform

Products

Streamline new merchant verification.

Monitoring

Automate underwriting decisions

Onboarding

Continuous risk assessment for merchants

Partner oversight

Manage risk across your partnerships

Policy Fit

Audit ready AUP violation detection

Company Analysis

Audit ready merchant analysis for POS and offline commerce

GoSignal

Instant merchant pre-qualification analysis for ISOs, payfacs, and acquirers

Agentic Commerce

Readiness and governance for safe agent–merchant interactions

Solutions

Mastercard MMSP Compliance

Meet the 2026 Mastercard MMP Standards

The Ballerine Library

All you need to know about Risk, Frauds - from our resource gallery

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Nicole Horne

Feb 1, 2026

What is Merchant Underwriting

Merchant underwriting is the critical risk-assessment process that determines a business’s eligibility to process payments. This overview breaks down how the process works and examines the key factors underwriters evaluate, such as financial stability and industry risk. It also explores how automation is transforming onboarding from a weeks-long bottleneck into a competitive advantage.

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Ballerine team

Jan 19, 2026

Supplement Merchant Underwriting

Payment processors and acquiring banks face a critical challenge with supplement merchants: distinguishing legitimate products from disguised pharmaceutical operations that create regulatory, chargeback, and network compliance exposure.

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BRAM and VIRP: A Practical, Professional Guide for PSPs in 2026

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Nicole Horne

Sep 12, 2025

BRAM and VIRP: A Practical, Professional Guide for PSPs in 2026

For risk and compliance teams, BRAM and VIRP aren't theoretical guidelines. They are ongoing obligations. We break down the evolving expectations for 2026, highlighting the specific themes that lead to fines (like illegal activity and IP infringement) and how to build a governance model that protects your portfolio.