Your business's
financial identity
in one document
The Merrisk Risk Passport is a verified, shareable proof of your payment history — helping you win better processing rates, loans, and partnerships.
Alpine Coffee Roasters
but for your payment history
The Merrisk Risk Passport combines verified data from your payment processors and bank into a single trusted document you can share with anyone.
Verified from the source
We connect directly to Stripe, PayPal, Square, Clover, and your bank via read-only OAuth and Plaid. No manual uploads, no self-reported data.
A portable financial identity
Your Passport ID can be verified instantly by any bank, processor, or lender — without giving them access to your accounts.
Always up to date
Your passport refreshes automatically. Share a link and verifiers always see your latest verified data.
Privacy first
Transaction amounts are masked. Verifiers see your risk profile — not your customer data or transaction details.
Trusted by processors.
Whether you're shopping for better rates or a bank assessing risk — the Passport gives you verified answers fast.
For merchants
Negotiate better rates
Show processors your verified chargeback rate and processing history. Businesses with strong passports consistently qualify for lower interchange fees.
Faster loan approvals
Banks and lenders can verify your revenue and payment history in seconds. No more waiting weeks for manual bank statement reviews.
Win enterprise deals
Share your passport with enterprise partners, marketplaces, and distributors who need to vet your financial stability before onboarding you.
For banks & processors
Instant risk assessment
Enter a Passport ID and get a complete verified risk profile in seconds. No more chasing bank statements or manual document reviews.
Fraud prevention
Passports are signed by Merrisk and cannot be altered. Spot merchants who have hidden suspensions, reserves, or terminations across processors.
Streamlined underwriting
Replace weeks of document collection with a single Passport ID. Standardized data format makes underwriting faster and more consistent.
verified in minutes
Connect your processors
Link Stripe, PayPal, Square, or Clover via secure read-only OAuth. Takes 2 minutes per processor.
Connect your bank
Link your business bank account via Plaid for deposit verification and cash flow analysis.
Get your passport
Merrisk generates your verified score and downloadable Risk Passport, valid for 90 days.
Share & win
Share your Passport ID with processors, banks, and partners. They verify instantly — no login required.
their passport
Shopping for a new processor
Apply to multiple processors using your Passport ID. Let your verified data speak for you and compare rate offers side by side.
Rate negotiationApplying for a business loan
Lenders verify your revenue and payment history in seconds. Replace 3 months of bank statements with one link.
Business lendingJoining a marketplace
Enterprise marketplaces can verify your financial standing before onboarding you as a seller or supplier.
Marketplace onboardingSwitching processors
Moving to a new processor? Show your clean history upfront and skip the probationary period.
Processor migrationVendor & supplier vetting
Procurement teams verify a vendor's financial stability before signing contracts or extending credit terms.
B2B procurementCommercial real estate
Landlords requiring financial verification for commercial leases can verify business health without a full audit.
Commercial leasingRisk passport is included
on Pro and above
Start free — upgrade when you're ready to unlock your passport and share it with the world.
Your passport is waiting
Connect your processors in minutes and start sharing your verified financial identity with the world.