Payment Gateways

Merchant underwriting and
KYB for payment processors.

Onboard merchants with automated KYB and sanctions screening of the company, its directors and owners, then keep watching their list status after onboarding.

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KYB
Company risk checks
UBO
Director screening
Real-time
Sanctions screening
API
Webhook risk alerts

Compliance challenges

What keeps your compliance team up at night.

Merchant Underwriting Risk

Fraudulent merchants using payment gateways to process stolen card funds before chargebacks accumulate.

Shell Company Detection

Merchants incorporated as shells with no real business activity, designed for payment fraud.

Ongoing Merchant Monitoring

Merchant risk profiles change over time, continuous monitoring is required post-onboarding.

Cross-border Merchant Exposure

International merchants operating across multiple jurisdictions with inconsistent AML standards.

PEP Business Owners

Payment processors inadvertently onboarding companies controlled by politically exposed persons.

High-Risk MCC Categories

Classifying and monitoring merchants in high-risk merchant category codes with enhanced due diligence.

on8 solutions

What we actually run for you.

Smart Sanction

KYB screening for merchants, directors, UBOs, and company-level sanctions.

  • Company sanctions screening across 450+ lists
  • Director and UBO PEP screening
  • Wanted-list and Interpol notice screening for business owners
  • Ongoing monitoring with webhook alerts on status changes
Learn more
Pre-KYC

Pre-screen merchant applications before full KYB review begins.

  • Business email domain validation, no free email providers
  • IP risk scoring to detect offshore fraudulent applications
  • Velocity control for same-IP multiple merchant submissions
Learn more
Passporter

In development: director and beneficial owner identity verification.

  • Remote KYC for directors, 190+ countries targeted
  • Face match and liveness designed for beneficial owner verification
Learn more

Regulatory coverage

The rules that govern your business.

Named sources, not a badge wall. Each one is the instrument the obligation actually comes from.

PSD2EU
Payment Services Directive 2 covering strong customer authentication and open banking requirements.
PCI DSSGlobal
Payment Card Industry Data Security Standard for cardholder data protection.
EMD2EU
E-Money Directive governing the authorisation and safeguarding obligations of e-money institutions.
NACHA RulesUSA
ACH network rules for originating and receiving depository financial institutions.
PSRs 2017 / EMRs 2011UK
FCA authorisation and conduct requirements for payment institutions and e-money institutions.
Law No. 6493 / Law No. 5549Turkey
CBRT licensing and supervision of payment and e-money institutions under Law No. 6493, and MASAK anti-money-laundering obligations under Law No. 5549.
Industry-specific APIPOST /api/v1/screening/kyb/lookup

Request

{
  "companyName": "Rosneft"
}

Response

{
  "success": true,
  "data": {
    "matchCount": 10,
    "matches": [{
      "name": "Open Joint-Stock Company Rosneft Oil Company",
      "entity_type": "company",
      "countries": ["ru"],
      "score": 1.0,
      "match": true,
      "match_confidence": "HIGH",
      "score_band": "strong",
      "risk_tags": [
        "Debarred (Public Contracts)",
        "Disqualified Director",
        "Export Control",
        "Sanctioned Entity",
        "Trade / Export Risk"
      ],
      "datasets": ["smartsanction"]
    }],
    "gleif": null,
    "external": {}
  }
}
GuideAML for Payment GatewaysMerchant onboarding, KYB and ownership screening for PSPs and acquirers.Read the guide

Payment Gateways

Screen merchants before you onboard them.

Automated KYB, director screening and ongoing sanctions monitoring, with the evidence behind every match for your review.

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