Enterprise Merchant Investigation Tooling
What is Merchant Investigation Tooling?
SafetyKit's merchant investigation platform provides compliance teams with enterprise-grade tools to review, analyze, and action merchants at scale. From automated web scraping to policy-specific compliance checks, our tooling streamlines the entire merchant risk assessment workflow.
Core Platform Capabilities
1. Automated Merchant Discovery
- Web Analysis: Automatically discovers and analyzes merchant websites and online presence
- Ownership Verification: Validates domain registration and business details
- Network Mapping: Identifies related sites and payment routing patterns
- Documentation: Captures merchant information for compliance records
2. Real-Time Case Management
- Live Queue Management: Merchants flow through Scanning → Flagged → Cleared → Actioned workflows
- Findings Sidebar: Track policy violations, edge cases, and investigation notes
- Status Tracking: Monitor scan progress, execution state, and review completion
- Document Verification: AI-powered verification of business licenses, tax documents, and compliance paperwork
3. Policy-Specific Checks
- MCC classification and validation
- Transaction laundering detection
- VIRP compliance verification
- BRAM counterfeit and brand checks
- Adverse media monitoring
- Sanctioned entities screening
4. Visual Analytics
- Merchant Overview Dashboards: At-a-glance risk scores, violation counts, and investigation status
- Policy Execution Visualization: See which checks ran, which passed, and which failed
- Trend Analysis: Track merchant behavior changes over time
- Network Visualization: Identify connected merchants and fraud rings
Investigation Workflow
Step 1: Merchant Intake
Merchants enter the system via API integration, batch upload, or manual submission. SafetyKit immediately begins automated discovery.
Step 2: Automated Analysis
Within minutes, SafetyKit completes:
- Website scraping and content extraction
- MCC classification
- Transaction pattern analysis
- Product catalog review
- Adverse media searches
Step 3: Compliance Review
Analysts review flagged merchants using comprehensive reports that consolidate all findings. Each violation includes:
- Policy name and violation type
- AI explanation and evidence
- Screenshots and scraped content
- Recommended actions
Step 4: Action & Documentation
Mark findings as correct, incorrect, or edge cases. Add investigation notes. Take actions like account holds, merchant removal, or escalation to legal teams. All decisions automatically documented for audit trails.
Integration Features
Platform Integration
- Seamless integration with existing merchant onboarding systems
- Automated notifications for compliance events
- Batch processing capabilities for high-volume reviews
- Real-time decisioning for merchant applications
Custom Workflows
- Payment Processor Workflows: Tailored onboarding and monitoring processes
- Card Network Compliance: Comprehensive verification for network requirements
- Marketplace Protection: Brand safety and seller verification workflows
Customer Success Story
Leading freelance marketplace replaced slow and inconsistent BPO agents with SafetyKit AI agents:
A global work marketplace sends 100% of job posts to SafetyKit for review against 100% of their policies, including payment partners' policies and regulatory requirements in the US, EU, and dozens of other jurisdictions.
Results:
- 80% accuracy → 95% accuracy
- 100% policy coverage achieved
- Consistent compliance across all jurisdictions
- Reduced manual review volume by 80%
Scale and Performance
SafetyKit processes thousands of merchant investigations daily with consistent, expert-level analysis. What takes compliance teams hours per merchant, SafetyKit completes in minutes—with higher accuracy and comprehensive documentation.
Key Metrics
- Speed: 2-5 minute average investigation time
- Coverage: 30+ policy categories automatically checked
- Accuracy: 95%+ precision on violation detection
- Scale: Tens of thousands of merchants reviewed daily
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