What is a merchant Risk monitoring?
For merchants, violating rules such as BRAM or VIRP may result in severe consequences, including financial penalties from card issuers and account suspension. Violations will be recorded in the card monitoring database, preventing access to MasterCard or VISA credit card services for several years, and the fines can range from tens of thousands to hundreds of thousands of dollars
Merchant risk monitoring aims to assist merchants in identifying and preventing risky behaviors that may lead to substantial fines, account suspensions, and damage to brand reputation. By scanning merchant website content, transaction data, and payment processes, and combining AI technology with rule engines, it provides real-time alerts and remediation suggestions, ensuring that merchants consistently comply with the regulatory requirements of card schemes such as VISA and MasterCard
ContentCompliance monitoring
Real time scanning of merchant website content, precise interception of violation risks
TransactionMoney laundering detection
Intelligent identification of suspicious transactions and precise crackdown on money laundering activities
Our Products
Content compliance monitoring
Winshield SiteInspect Web is an intelligent risk control solution tailored for merchants and payment institutions. By conducting real-time scans of product information, service content, and page classification on merchant websites, it accurately identifies high-risk or illegal content that violates card compliance programs (such as VAMP, BRAM, etc.), helping customers avoid regulatory penalties in advance
Efficient compliance review
Automatically complete tedious compliance review and risk assessment processes, significantly reducing manual investigation time
Standardized risk control
Establish a unified monitoring standard based on global deck rules to ensure objectivity and consistency in risk assessment
Zero violation guarantee
Conduct thorough verification of website content legality, prevent potential policy violations, and avoid heavy fines and damage to reputation
Our Products
Transaction money laundering detection
Winshield TLD utilizes AI technology and big data analysis to monitor transaction links in real-time, identifying issues such as unauthorized proxy transactions, MCC code violations, and unregistered high-risk merchants. It provides comprehensive compliance support and risk management solutions to ensure that your business consistently meets the regulatory requirements of card schemes such as VISA and MasterCard, assisting merchants and payment institutions in accurately identifying and intercepting transactional money laundering activities
Global Compliance Assurance
Quickly access mainstream international card schemes to ensure compliance of high-risk merchant qualifications
Full link risk interception
Monitor transaction links in real-time, identify illegal sub-merchants, MCC code violations, and unauthorized business content, and block money laundering activities
Automation reduces costs and increases efficiency
Reduce manual review costs by 85%, increase the response speed of risk management by 90%, and unleash the efficiency of the risk control team
Learn more about Global Corporate Identity (LEI) in detail
The Legal Entity Identifier (LEI) is an identification code assigned to legal entities worldwide in accordance with the International Organization for Standardization (ISO) 17442 standard. Online databases can be used to search for or obtain information about a global company or legal entity, including its legal identity, ownership structure, and location
We have prepared a quick query tool for Legal Entity Identifier (LEI) for you
Why choose us？
Full rule coverage
Supports over 20 international card deck core rule libraries, including VAMP and BRAM, for precise identification of illegal advertisements, fraudulent transactions, and unauthorized business content
Real time dynamic monitoring
Monitor merchant websites, payment processes, and transaction data in real-time, and utilize AI models to detect hidden associated risks (such as multi-account association, proxy server abuse)
Intelligent risk rating
Generate risk scores dynamically based on deck rules, label them as “high risk/medium risk/low risk”, and prioritize handling core risks that may trigger penalties
Global Compliance Adaptation
Supporting multi-country localization rules (such as the EU GDPR), customized monitoring strategies, and reducing regional operational risks