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Monitor

Keep Your Portfolio Profitable

On-boarding merchants is one thing, but how can you be sure they will stay compliant? Monitor is built to address this problem.
It delivers persistent monitoring in modular design - for effective surveillance, tailored to your needs.
Local Regulations

Local laws should be the basis for any monitoring regime. The products/services a merchant offers have to be legal in every jurisdiction they are offered in.

GBPP

Visa's Global Brand Protection Program mandates a legality check for products and services as well as an eCommerce website review.

BRAM

Mastercard's Business Risk Assessment and Mitigation program gives acquirers more autonomy, but also defines high-risk businesses that require enhanced due diligence.

Comply with Rules and Regulations

To safeguard the integrity of the payment system, the major credit card associations maintain a constantly updated set of rules with which their members have to comply, or incur severe penalties.

Knowing these regulations and organising your on-boarding, underwriting and monitoring processes accordingly is essential if you want to maintain the integrity of your merchant portfolio.

Safe Harbor

Web Shield is a member of Mastercard's MMSP program. This means as a principal member you benefit from BRAM and Transaction Laundering Safe Harbor.

Know Your Merchants

Especially online, critical changes happen fast: Product portfolios are replaced at a moment's notice, user-generated content changes in unexpected ways and seemingly legitimate merchants alter their business model to include deceptive claims.

To help you tackle these challenges, we developed Monitor.

Monitor is built on years of experience with merchant monitoring and optimised for adaptable and risk-conscious ongoing merchant reviews.

Comprehensible Risk Analysis

Monitor takes 27 different risk indicators in the four areas of Reputation, Content, Transaction Laundering and Money Laundering risk into account.

Adaptable Reporting

Customise your reporting to have all the information at hand when you need it.

Centralised Monitoring

Manage every alert of every merchant and website in one place.

Monitoring That Works for You

Do you already have a team of experienced underwriters or are you new to the business and need some pointers in the right direction? Do you need to micromanage every last monitoring parameter or just want to sit back and rely on templates crafted by experts?

Monitor gives both veterans and newcomers a powerful tool to identify the vulnerabilities in their merchant portfolio.

Modular Design

Monitor can be supercharged with additional investigative modules.

Notification Management

You can set alert thresholds for risk indicators or use presets prepared by experienced underwriters.

Unlock Monitor's Full Potential

Together with our InvestiGate On-Boarding solution, Monitor lets you manage every step of the merchant acquiring life cycle. Activate powerful new monitoring modules and use freely editable risk templates with InvestiGate Monitoring.

Alternatively, if you already have your own robust on-boarding solution implemented, Standalone Monitoring lets you easily integrate your merchant portfolio through bulk upload or our API.

Both Monitor variants are effective tools in managing your portfolio risk and staying compliant.

InvestiGate Monitoring

Monitor is built to synergise with InvestiGate. If you use both together, you get more options and convenient risk templates.

Standalone Monitoring

You have your own on-boarding process? No problem. Standalone Monitoring is designed for compatibility.

Monitoring modules
Monitoring modules
Reputation
Money Laundering

Prevent Money Laundering

In a globalised world, it has become even more crucial to know your customer. Willful ignorance is not an option when dealing with politically exposed customers, or unknowingly break laws by conducting business with sanctioned individuals or organisations.

Classical money laundering is alive and well. Criminals are always coming up with new and improved ways to transform their ill-gotten gains into usable money.

As an actor in the financial system, you should be aware of this threat and have your countermeasures ready.

Reputation might seem like an intangible good, but a bad reputation can negatively affect your bottom line.

For a financial institution, trust is a commodity that has to be earned and - more importantly - maintained.

As an acquiring bank or payment processor, you are the gatekeeper of the payment system. If you grant access to bad actors, this will eventually come back to bite you.

To safeguard your reputation, proper due diligence is crucial. That is why InvestiGate and Monitor have a whole host of investigative capabilities specialised in ferreting out dubious business practices or outright fraud.

Discover the Modules
Discover the Modules
Content
Money Laundering

Prevent Money Laundering

In a globalised world, it has become even more crucial to know your customer. Willful ignorance is not an option when dealing with politically exposed customers, or unknowingly break laws by conducting business with sanctioned individuals or organisations.

Classical money laundering is alive and well. Criminals are always coming up with new and improved ways to transform their ill-gotten gains into usable money.

As an actor in the financial system, you should be aware of this threat and have your countermeasures ready.

In the world of eCommerce, it has become even harder to control what products and services a merchant offers.

Evaluating a merchant and their website on their own terms is one of the most important things an underwriter has to do.

Is all the policy information there? Are the products and services in compliance with local laws and card scheme regulations? Is the address named? What kind of business am I dealing with here?

The credit card associations rules lay out clear requirements for merchant websites as well as their products and services.

To make sure that a merchant complies with these guidelines is your responsibility. Our solutions help you live up to the challenge.

Discover the Modules
Discover the Modules
Transaction
Laundering
Money Laundering

Prevent Money Laundering

In a globalised world, it has become even more crucial to know your customer. Willful ignorance is not an option when dealing with politically exposed customers, or unknowingly break laws by conducting business with sanctioned individuals or organisations.

Classical money laundering is alive and well. Criminals are always coming up with new and improved ways to transform their ill-gotten gains into usable money.

As an actor in the financial system, you should be aware of this threat and have your countermeasures ready.

Transaction Laundering is an ongoing problem in the payments industry. We give you the tools to fight it.

Transaction Laundering – the injection of illegal payments into seemingly legitimate transactions – is one of the most pressing current fraud issues.

What is more, it is extremely hard to detect. One feasible way is to identify websites connected to the merchant that are unknown to the acquirer or payment processor.

Our underwriters quickly found out that this was not enough. To cover all bases, our basic SiteReveal is supported by additional modules with specialised capabilities to give you a comprehensive look at a merchant’s transaction laundering risks.

Discover the Modules
Discover the Modules
Transaction Laundering
Deceptive Traffic
Good website traffic is one thing, knowing where it is coming from is another. Through a thorough analysis, we identify deceptive marketing practices before they can hurt you.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Deceptive Traffic
Transaction Laundering
Affiliate Networks
Some affiliate marketing schemes use deceptive methods to mislead users, others can be abused by for transaction laundering. Know which networks your clients are a part of.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Transaction Laundering
Mobile Apps
Mobile apps connected to an entity can sometimes offer very different services than a website proclaims. Our solutions help you to identify if there exists an app to review.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Transaction Laundering
Visitors
One of the most basic indicators for foul play is the number of visitors on a website. With our user traffic analysis, you catch any discrepancies early.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Transaction Laundering
Load Balancing
Combining SiteReveal’s insights with other data points like support websites or shared billing descriptors, our solutions assess a merchant’s load balancing probability.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
SiteReveal
Transaction Laundering
SiteReveal
Counteract the most basic forms of transaction laundering by identifying undisclosed websites connected to your merchant.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
SiteReveal
Back
Money
Laundering
Money Laundering

Prevent Money Laundering

In a globalised world, it has become even more crucial to know your customer. Willful ignorance is not an option when dealing with politically exposed customers, or unknowingly break laws by conducting business with sanctioned individuals or organisations.

Classical money laundering is alive and well. Criminals are always coming up with new and improved ways to transform their ill-gotten gains into usable money.

As an actor in the financial system, you should be aware of this threat and have your countermeasures ready.

Money laundering is one of the recurring problems plaguing the financial industry. You need safeguards against it.

In a globalised world, business is increasingly international. As a result, it has become even more crucial to know your customer. Willful ignorance is not an option if you are exposing yourself to unnecessary risks with politically exposed customers, or unknowingly break laws by conducting business with sanctioned individuals or organisations.

Classical money laundering is alive and well. Criminals are always coming up with new and improved ways to transform their ill-gotten gains into usable money.

As an actor in the financial system, you should always be aware of this threat and have your countermeasures ready.

Discover the Modules
Discover the Modules
Money Laundering
Virtual Address
With our ever-growing database of addresses connected to incorporation services, we help you find out if your merchant uses a virtual office.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Money Laundering
Portfolio Crosscheck
Find out if your merchants are connected through phone numbers, management personnel and more. Uncover important leads to corroborate evidence of wrongdoing.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Money Laundering
Country Risk
Our solutions warn you about merchant locations deemed high-risk by the intergovernmental Financial Action Task Force.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
Basic
Money Laundering
Adverse Media
Often, indicators of wrongdoing aren’t taken up by courts or regulators immediately, but are first uncovered by journalists. Leverage the news with the Adverse Media module.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
AML
Money Laundering
Sanctions & PEP Lists
Be aware of any sanctioned individual or politically exposed persons connected to a merchant.
Standalone Monitoring
InvestiGate Monitoring
More Options
InvestiGate
AML
Back
Service
Case Service
InvestiGate might give you everything you need to efficiently underwrite a merchant in one interface - but you still have to put in the work. If your team faces a tough case or is temporarily overwhelmed, they can let our underwriters take over.

Web Shield Case Service provides you with a serviced, false positive free case file in no more than a day, complete with helpful comments from our experienced online investigators.
InvestiGate Basic
Service
False Positive Clearing
Although we strive to perfect it, automated web crawling will always deliver its fair share of false positives when it comes to alerts. Depending on the number of websites in your portfolio and the familiarity of your team with the newest regulations, this might slow down your underwriting.

Let us take care of this problem.
Standalone Monitoring
InvestiGate Monitoring
Additional services

Try Monitor for free

Test our solutions with real-life cases - and see how they compare.
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