Merchant acquiring
Protect your acquiring portfolio with continuous merchant monitoring. Spot risky merchants, chargeback trends and compliance problems before they become costly.
- Continuous merchant monitoring
- Chargeback rate tracking
- Risk-based merchant scoring
- Early warning alerts
- Portfolio
- EXAMPLE-EU-2
- Window
- Last 90 days
- Sorted by
- Risk trend
Merchants needing attention
Merchant M-40117
Online electronics. Chargebacks up 3 weeks running
CB 1.8%High riskMerchant M-22804
Travel agency. Refunds far above category peers
CB 0.9%WatchMerchant M-31552
Subscriptions. Billing descriptor changed twice
CB 0.6%ReviewMerchant M-18020
Grocery delivery. Within peer range
CB 0.2%Normal
M-40117 goes to underwriting before it breaches its chargeback threshold.
- Continuous scoring
- Merchants scored as transactions arrive, not at annual review.
- Early warning
- Merchants trending toward chargeback thresholds flagged before breach.
- Collusion detection
- Patterns that point to bust-out or laundering schemes.
- Portfolio view
- Risk across every merchant in one place.
Know your merchants
Merchant risk changes over time. A compliant merchant today can be a liability tomorrow, so Vyndarix tracks merchant behavior continuously.
Chargeback analytics
Track chargeback rates across several time windows and see which merchants are trending toward threshold breaches.
Risk escalation alerts
Get early warnings when a merchant's behavior shifts toward high-risk activity, so you can step in first.
Compliance monitoring
Watch for prohibited content, business model changes and activity that could create regulatory exposure.
Transaction pattern analysis
Detect unusual transaction patterns that suggest fraud schemes, collusion or bust-out attempts.
Reduce portfolio risk
Bad merchants cost acquirers through chargebacks, fines and reputational damage. Proactive monitoring protects your bottom line.
- Track merchant risk scores over time
- Monitor chargeback trends
- Detect business model changes
- Identify collusion patterns
- Automate merchant reviews
- Reduce regulatory exposure
Merchant risk indicators
- Chargeback rate
- Transaction velocity
- Refund patterns
- Business category changes
Questions about merchant acquiring
What is merchant acquiring fraud?
Merchant acquiring fraud involves fraudulent activities by merchants, including excessive chargebacks, transaction laundering, bust-out schemes, and processing unauthorized transactions.
How are high-risk merchants identified?
We monitor chargeback rates, transaction patterns, refund ratios, and business behavior over time to identify merchants trending toward problematic activity.
What is a bust-out fraud scheme?
Bust-out fraud occurs when a merchant builds trust over time with normal transactions, then suddenly processes a large volume of fraudulent transactions before disappearing.
Protect your acquiring business
See how continuous merchant monitoring reduces chargebacks and keeps high-risk merchants out of your portfolio.