For card schemes
For card schemes
Merchant-monitoring work for card scheme compliance teams.
Card schemes
The fear
Enforcement built on evidence from a party that earns from the flow can be impeached.
The answer
An independent evidence source that processes no payments and takes no revenue from any investigated party.
What your acquirers are now bound by
- 01 Jan 2026Mastercard merchant-monitoring requirements effective; violations reportable within five business days.Binds — AcquirersSource — Mastercard Security Rules and Procedures — Merchant Edition, §7.2.1, 4 Aug 2026, p.82Confirmed attributions inside the reporting window.
- Jan and Apr 2026Visa VAMP thresholds tighten.Binds — AcquirersSource — Visa Rules (public)Early attribution of miscoded merchants in portfolio.
What you cannot see
An illegal operator does not need to move dirty money. It needs a clean-looking merchant account. The site sells gambling. The merchant record says general retail. The payment settles anyway.
The tools to block exist. The visibility to aim them does not.
What we supply
The acquiring BIN. The descriptor as it lands. The orchestrator in the middle. The settlement route.
Chain of custody on every artifact. Timestamped, reproducible, formatted for compliance-programme intake.
No intrusion. No scraping behind authentication. We do not induce a merchant to do anything it was not already doing. No payment above a pre-set cap. No contingency fees on evidential work.
How it is delivered
Commissioned investigation — you name the operators, the merchant portfolio or the market. We return forensic dossiers with chain of custody on every artifact. Scoped and priced per engagement.
Continuous coverage — collection across a market or vertical, refreshed as operators rotate shells and descriptors. Delivered as a screening list, with API access on engagement, and dossiers on attach.
Coalition programme — members of an association or a group of licensed operators fund a single programme and share the evidence pool. Shared cost, shared findings.