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

Have your sales team run a fast merchant pre-qualification before you begin a resource intensive onboarding flow. Increase pipeline, reduce long queues, and keep the deals moving.

Schedule Demo

What these tailor-made agents can do for you

Speed

Faster approvals with fewer underwriting surprises

Our AI agents deliver verified business analysis that reduces uncertainty and supports scalable, compliant growth.
Efficency

Higher win rate by focusing on winnable deals

Quickly flag prohibited or misrepresented merchants so sales stop wasting resources on merchants outside the authorized use policy
Infrustructure

Reduce resubmissions and delays

Submit consistent, evidence backed outputs that align to sponsor policy and reduce back and forth

How it works

Reduce the back and forth with your risk team

Policy fit decisioning
Classify merchants against your organization or sponsor bank’s AUP, with a clear allowed, restricted, or prohibited outcome and evidence.
Business model validation
Confirm what the merchant actually sells and how they sell it by analyzing the customer journey, offer language, and key policy pages to catch mismatches.
Evidence and explainability
Source links and clear reasoning for each finding are provided so communication with the merchant is streamlined and to the point. 
MCC assignment 
Assess merchant activity and receive a best fit MCC per your policy

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

Frequently asked questions

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?

Download from app store

Download for iOS

Ready to transform how your Marketplace onboard, underwrite, and manages merchant risk?

Schedule Demo

Try it for free