With the eCommerce revolution showing no signs of slowing down, online shops and service providers have become an important pillar of any portfolio.
Although not on the forefront of innovation anymore, these merchants are still holding their own in many niche markets.
Despite the eCommerce revolution, brick-and-mortar stores aren't going away anytime soon.
Take informed on-boarding decisions, regardless if you are dealing with a card-not-present, face-to-face, Mail Order and Telephone Order (MOTO) or micro merchant.
As an online research tool, InvestiGate is ideal for underwriting eCommerce merchants. That doesn't mean it only works for them. Nowadays, the vast majority of merchants (intentionally or unintentionally) have an online presence that can be investigated.
Through its integration of open source intelligence gathering and third party information providers, InvestiGate can cope with any type of merchant.
Manually enter merchants and websites via our InvestiGate user interface.
You can upload your entire merchant portfolio via batch upload.
Use our API to integrate InvestiGate into your native risk management system.
No matter if you just want to investigate some special cases, or make InvestiGate part of your everyday risk management process - we got you covered.
For single merchants, the InvestiGate user interface guides you through the necessary steps of creating a case file, with a batch upload you can transfer your entire merchant portfolio to our platform, and for a more immediate integration, we can provide you with API access.
No more than seven minutes after entering a merchant's data and website, InvestiGate issues a preliminary risk score.
This serves as orientation for the overall on-boarding risk, and lays out a clear-cut underwriting path for you. Every red flag you review in the process makes the score more accurate.
Any time during the course of underwriting, you can add additional investigate modules to your InvestiGate case file.
Fine-tune your research with investigative modules, built to address your organisation's specific needs.
If everything checks out as expected, nothing stands in the way of on-boarding.
Some issues might keep you from on-boarding immediately, but can be resolved by working with the merchant.
If the problems revealed during the investigation are too severe, it might be better to decline.
After working through an InvestiGate case file, you usually know a lot about the merchant in question.
This knowledge will help you take the appropriate measures and decisions to keep your portfolio profitable.
Of course, the journey does not end at on-boarding: Through InvestiGate, you can immediately set up an appropriate monitoring regime for the merchant and their websites.
As an official member of Mastercard's MMSP program, Web Shield offers the benefits of BRAM and Transaction Laundering Safe Harbor to all principal members.
Although Visa does not currently offer a robust Safe Harbor program, all of our solutions take their VIRP into account in their risk assessment methodology.
The standard version of InvestiGate gives you access to a broad array of research modules. They already go far beyond mere keyword flagging.
InvestiGate reveals previously unknown relationships: Entities clustered around directors, UBOs or even addresses.
InvestiGate’s optional underwriting checklist lets you tick of the right boxes and highlights the tasks still on the table.
Gain access to our ever-growing virtual presence database. An interactive map ensures you know where a merchant really resides.
Review the current business-related recommendations by the card schemes and modify crawling routines for special business types.
Verify if merchants properly inform customers about their terms and conditions or correctly disclose their contact details.
Audit Trail ensures every decision can be traced back to an individual and guarantees accountability throughout the underwriting process.
SiteAlert notifies you about any hit on our verified crowdsourced warning list or blacklist.
License Verification automatically matches the merchant's name against the associated whitelists and lets you upload the relevant license.
Knowing the precise history of events allows you to reconstruct compliance issues, spot recurring patterns in merchant behaviour and more.
Every merchant has a unique profile. With InvestiGate's optional modules, you can adapt every investigation to your requirements - for a truly risk-based approach to underwriting.
Test our solutions with real-life cases - and see how they compare.
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