Transaction Analysis

Catch fraud that hides
behind clean transactions

Cross-references your merchant transaction data with their digital footprint so you see what your merchants are, not just what they report.

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Trusted by

Transaction data alone
doesn't tell the full story

Merchants can present clean transaction patterns while running deceptive businesses. The gap between what a merchant does and what they are is where losses accumulate.

Without Ballerine
Manual, siloed merchant reviews
Transactions with no business context
Transactions with no business context
Transactions with no business context
Automated, continuous portfolio monitoring
Transactions correlated with live digital footprint
Explainable findings with traceable evidence
From single investigations to thousands of MIDs
how it works

Go from raw data to actionable risk in three steps

No rule configuration. No model training. Upload your data and the system takes over.

Step 1
Upload your data. That's the entire setup.
Provide a transaction CSV with MIDs and a list of merchant URLs. The system extracts, matches, and resolves everything before analysis begins. No rules to write, no models to configure.
  • Upload transaction file
  • Provide merchant URLs
  • Analysis begins automatically
step 02
See what your merchants are, not just what they report
Our AI cross-references transaction patterns against live web presence data: business model, website content, digital infrastructure, traffic behavior, and online ecosystem so inconsistencies surface automatically.
  • MCC vs. actual business model

    Flags merchants whose transaction category doesn't match what they sell
  • Geography and infrastructure signals

    Cross-checks registration, hosting, traffic origin, and domain ownership
  • Volume and pricing anomalies

    Identifies patterns inconsistent with stated business size or model
step 03
Get reports your analysts can act on and your auditors can defend
Every merchant receives a structured risk report with a single risk level, ranked signal cards, transaction pattern findings, and a complete evidence trail. Ready for review, annotation, and export the moment it's generated.
  • Low / Medium / High risk rating

    One aggregated score per merchant for fast triage across thousands of MIDs
  • Plain-language signal cards

    Every flag answers "why is this risky" and not just that it is
  • Exportable PDF with evidence

    Audit-ready and shareable with regulators, compliance teams, or partners
impact

Risk intelligence with measurable outcomes

80%

Reduction in analyst review time

Automated detection and triage eliminates the bulk of manual data gathering your team handles today.

+1,000s

Merchants analyzed per
cycle

Process your full portfolio in the time it previously took to manually review a handful of accounts.

Zero

Rules to configure or
maintain

Fully automated analysis from day one. No training data, no rule tuning, no ongoing model maintenance required.

Capabilities

Everything your fraud team
needs, built in

No modules to unlock. No add-ons to configure. Every capability runs automatically across your full merchant portfolio.

Fully automated, zero configuration
No rules to write, no models to train. Upload your data and the system runs end-to-end without analyst intervention.
Explainability-first risk signals
Every flag comes with a plain-language explanation and supporting evidence. Your team sees why a merchant is risky.
Scheduled automated checks
Continuous monitoring across your full merchant portfolio on a defined cadence. Analysts are notified when new reports are ready.
Simple CSV + URL ingestion
Two inputs are all you need to start: a transaction file and merchant URLs. No complex integration or API work required to begin.
Language-agnostic analysis
Works across global merchant portfolios without dependency on English-language content. Designed for multi-market operations from day one.
Domain and ecosystem awareness
Cross-site, cross-brand, and cross-entity risk visibility. Catches related merchant networks and shared infrastructure patterns.
Analyst-friendly interface
Non-technical users can review, annotate, and action findings without training. The analyst's job is judgment, not data interpretation.
Scales from 1 to thousands of MIDs
Designed for portfolio-scale operations. Process large batches automatically, whether you're reviewing dozens or thousands of merchants per cycle.
Audit-ready exportable reports
Full PDF reports with complete evidence documentation, ready to share with regulators, internal compliance teams, or downstream partners.
Fully automated, zero configuration
No rules to write, no models to train. Upload your data and the system runs end-to-end without analyst intervention.
Explainability-first risk signals
Every flag comes with a plain-language explanation and supporting evidence. Your team sees why a merchant is risky.
Scheduled automated checks
Continuous monitoring across your full merchant portfolio on a defined cadence. Analysts are notified when new reports are ready.
Simple CSV + URL ingestion
Two inputs are all you need to start: a transaction file and merchant URLs. No complex integration or API work required to begin.
Language-agnostic analysis
Works across global merchant portfolios without dependency on English-language content. Designed for multi-market operations from day one.
Domain and ecosystem awareness
Cross-site, cross-brand, and cross-entity risk visibility. Catches related merchant networks and shared infrastructure patterns.
Analyst-friendly interface
Non-technical users can review, annotate, and action findings without training. The analyst's job is judgment, not data interpretation.
Scales from 1 to thousands of MIDs
Designed for portfolio-scale operations. Process large batches automatically, whether you're reviewing dozens or thousands of merchants per cycle.
Audit-ready exportable reports
Full PDF reports with complete evidence documentation, ready to share with regulators, internal compliance teams, or downstream partners.
Fully automated, zero configuration
No rules to write, no models to train. Upload your data and the system runs end-to-end without analyst intervention.
Explainability-first risk signals
Every flag comes with a plain-language explanation and supporting evidence. Your team sees why a merchant is risky.
Scheduled automated checks
Continuous monitoring across your full merchant portfolio on a defined cadence. Analysts are notified when new reports are ready.
Simple CSV + URL ingestion
Two inputs are all you need to start: a transaction file and merchant URLs. No complex integration or API work required to begin.
Language-agnostic analysis
Works across global merchant portfolios without dependency on English-language content. Designed for multi-market operations from day one.
Domain and ecosystem awareness
Cross-site, cross-brand, and cross-entity risk visibility. Catches related merchant networks and shared infrastructure patterns.
Analyst-friendly interface
Non-technical users can review, annotate, and action findings without training. The analyst's job is judgment, not data interpretation.
Scales from 1 to thousands of MIDs
Designed for portfolio-scale operations. Process large batches automatically, whether you're reviewing dozens or thousands of merchants per cycle.
Audit-ready exportable reports
Full PDF reports with complete evidence documentation, ready to share with regulators, internal compliance teams, or downstream partners.
Fully automated, zero configuration
No rules to write, no models to train. Upload your data and the system runs end-to-end without analyst intervention.
Explainability-first risk signals
Every flag comes with a plain-language explanation and supporting evidence. Your team sees why a merchant is risky.
Scheduled automated checks
Continuous monitoring across your full merchant portfolio on a defined cadence. Analysts are notified when new reports are ready.
Simple CSV + URL ingestion
Two inputs are all you need to start: a transaction file and merchant URLs. No complex integration or API work required to begin.
Language-agnostic analysis
Works across global merchant portfolios without dependency on English-language content. Designed for multi-market operations from day one.
Domain and ecosystem awareness
Cross-site, cross-brand, and cross-entity risk visibility. Catches related merchant networks and shared infrastructure patterns.
Analyst-friendly interface
Non-technical users can review, annotate, and action findings without training. The analyst's job is judgment, not data interpretation.
Scales from 1 to thousands of MIDs
Designed for portfolio-scale operations. Process large batches automatically, whether you're reviewing dozens or thousands of merchants per cycle.
Audit-ready exportable reports
Full PDF reports with complete evidence documentation, ready to share with regulators, internal compliance teams, or downstream partners.
faq

Questions your team
will ask before buying

How does Ballerine help banks streamline merchant onboarding without increasing risk exposure?
Why do traditional merchant onboarding tools fall short for banks?
How can banks reduce operational costs in risk and compliance functions using Ballerine?
Can Ballerine help our bank stay compliant with evolving regulatory requirements?
What makes Ballerine’s merchant monitoring more effective for banks?
How does Ballerine support sponsor/acquiring banks in overseeing partner portfolios?

See what your merchants
are really doing

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