Merchant Underwriting

AI agents under your command let you take merchant underwriting risk management to a whole new level. Instantly identify risk, reduce manual work and turn fragmented data into confident decisions.

Get 5 digital footprint reports for free

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What Ballerine's AI
agents can do for you

Reduce false positives by 90%

Risk professionals value data - but too much can leave them drowning in noise. AI-powered context analysis eliminates noise, dramatically reduces false positives, and speeds up approvals by analyzing large volumes of unstructured data to outline merchant activity.

Tailored to your merchant acceptance policy

Customize to suit your risk appetite and underwriting logic. Evaluate risk your way, with rule sets you can tailor by region, industry, or business type.

Get your reports in few minutes

Generate underwriting reports in minutes (not weeks) to stay compliant - while moving fast.

The AI agents your merchant risk team has always deserved

Check once or monitor continuously. 
Your choice.

AI-Powered Web Analysis of Restricted and Prohibited Content
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
Transaction Laundering Detection
Uncover hidden merchant activity masked behind seemingly legitimate storefronts by looking at common behaviours and patterns of transaction laundering.
Automatic Adverse Media and Reputation Checks Across the Internet
Understand what merchants sell and how they sell it, in accordance with card scheme directions and regulatory guidelines.
MCC Classification and Risk Mapping
Automatically assign Merchant Category Codes with contextual accuracy.
Behavioral and Channel Risk Signals
Analyze website traffic, online reputation, social presence, and digital breadcrumbs to assess merchant legitimacy.
Customizable Risk Scoring and Policy Logic
Apply your own underwriting logic using configurable rule sets, industry filters, and geography-based thresholds.
Underwriting Audit Trail and Explainability
No black boxes - only explainable, regulator-ready decisions backed by structured data and evidence.
Customized Fit Detection for Your Terms of Service
Ensure merchant business models align with your merchant acceptance policy.
Website Compliance Detection
Ensure that all necessary website compliance requirements are there and stay in place, from terms and conditions to privacy policy, SSL encryption, etc.

Your data, your way

Platform

Review findings in Ballerine’s case management system, with an easy and intuitive UI that makes analysis simple

API

Incorporate the checks into your flows, and use the findings in your existing platforms and processes

PDF Reports

Get a PDF file you can save as part of the merchant’s file, or share with other organizations when needed

Try Our Free Digital Footprint Analysis

Get 5 free digital footprint reports and explore how we can help protect your business from risk

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Frequently asked questions

How long does it take to underwrite a new merchant with Ballerine?
Can we automate underwriting for low-risk merchants?
Can Ballerine verify if a merchant has previously been terminated by other PSPs?
Does the system compare declared MCCs with actual business activity?
Can we integrate Ballerine’s underwriting into our existing CRM or onboarding flow?
How customizable is the underwriting decision process?
What sources does Ballerine use to enrich merchant data?
Can underwriters review the reasoning behind risk decisions?
How do you help underwriters reduce false positives?
Is Ballerine compliant with GDPR and other data privacy regulations?

Download from app store

Download for iOS

Ready to transform how you
approach merchant underwriting?

Schedule Demo

Try it for free

3101 Park Blvd, Palo Alto, CA 94306
‍
22 Cross St, Singapore 048421
‍
Lincoln St 20, Tel Aviv-Jaffa, 6713412
‍
Ballerine Inc.

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Merchant underwritingMerchant monitoringMerchant onboardingPartner oversight

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3101 Park Blvd, Palo Alto, CA 94306
‍
22 Cross St, Singapore 048421
‍
Lincoln St 20, Tel Aviv-Jaffa, 6713412
‍
Ballerine Inc.

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