Merchant risk assessment built on verified data.
Evaluate merchant applications with pre-verified processing data — chargeback rates, refund history, revenue stability, and customer retention — before you even open the file.
Traditional merchant due diligence is broken
Underwriting teams spend days collecting documents that don't tell the full story. Merrisk gives you verified data before the merchant even walks in.
✕ Without Merrisk
- Manual document collection takes days or weeks
- Self-reported financials are unverified
- No visibility into real chargeback history
- Inconsistent risk criteria across underwriters
- High-risk merchants slip through the cracks
✓ With Merrisk
- Pre-verified processing data available instantly
- Transaction history pulled directly from processors
- Real chargeback rates, refund rates, and trends
- Standardized 100–1000 risk score for every merchant
- Flag high-risk applicants before onboarding
How acquiring banks use Merrisk
Merchants connect their payment processors through Merrisk. You get a verified risk profile before making underwriting decisions.
Merchant connects processors
Applicants link their Stripe, PayPal, Square, or Shopify accounts through Merrisk's secure OAuth flow. No manual document uploads needed.
Merrisk generates a risk score
Our engine analyzes 9 verified data signals — chargeback rate, refund patterns, processing history, revenue stability, and more — to produce a dynamic score from 100 to 1000.
You make faster, better decisions
Access the merchant's verified Merrisk profile during application review. Approve with confidence, flag risks early, and reduce manual due diligence time.
Verified risk signals you can trust
Every Merrisk score is built from real payment processor data — not self-reported documents, not credit bureau estimates.
Processing history
How long the merchant has been actively processing payments in good standing.
Chargeback rate
Verified dispute frequency and outcomes — the strongest indicator of merchant risk.
Refund rate
Percentage of transactions refunded — low rates signal clear expectations and satisfaction.
Repeat customer rate
Returning buyers are the strongest proof of earned trust and real value delivery.
Revenue stability
Non-volatile revenue patterns without sharp unexplained spikes or sudden drops.
Transaction volume & growth
Monthly volume and 12-month trends showing consistent or growing activity.
Built for teams that evaluate merchants
Whether you're an acquiring bank, payment facilitator, or ISO — Merrisk gives you the data you need to make better merchant onboarding decisions.
Acquiring banks
Supplement your existing underwriting workflow with verified processing data. Reduce time spent on manual document review and catch risk signals earlier.
Payment facilitators
Onboard sub-merchants faster with pre-scored risk profiles. Automate the first layer of due diligence and focus human review on flagged applications.
ISOs & agents
Pre-qualify merchants before submitting applications. Send your acquiring partners merchant profiles with verified data already attached.
Ongoing monitoring
Don't stop at onboarding. Merrisk scores update dynamically — monitor your merchant portfolio for risk changes over time, not just at application.
Questions from underwriting teams
Common questions from acquiring banks, payment facilitators, and ISOs evaluating Merrisk for merchant risk assessment.
How does Merrisk get the processing data? +
Can merchants manipulate their score? +
What's the difference between Merrisk and a credit report? +
Can we integrate Merrisk into our underwriting workflow? +
What if a merchant hasn't connected to Merrisk yet? +
Better merchant data. Better decisions.
See how Merrisk can help your underwriting team evaluate merchant applications faster with verified payment processing data.
Request a demo