Compliance infrastructure for payment service providers & processors
Merchant and transaction risk controls — velocity rules, settlement monitoring and consistent screening — orchestrated into one decision and one evidence trail.
Risk from two directions. Proof required from one place.
PSPs and processors sit between merchants and the rails, which means risk comes from both directions: merchant onboarding risk, transaction velocity, settlement exposure, and the sponsor bank's expectation that every flow is controlled and provable. Stitching that together across point tools leaves gaps that show up as regulatory and sponsor-bank questions you can't answer cleanly.
Where the gaps appear
- ✗
Merchant onboarding screening result lives in the vendor dashboard — not connected to live transaction decisions
- ✗
Velocity and settlement rules tuned for one merchant profile applied generically to all
- ✗
Sponsor bank asks for proof of screening consistency — answer is spread across three systems
- ✗
Settlement exposure spikes before monitoring catches it — batch timing too slow
- ✗
No single evidence view covering both onboarding and live transaction risk
With Fintegrity
- ✓
Merchant onboarding and live transactions both feed one decision layer
- ✓
Velocity and settlement rules tunable per merchant profile, tested by simulation
- ✓
Screening consistent across all flows — per-check evidence written every time
- ✓
Real-time pre-authorisation monitoring catches settlement patterns before they complete
- ✓
One evidence query answers any sponsor bank or regulatory request
One decisioning layer across merchant onboarding and transaction flow
Fintegrity gives processors a single decisioning layer across merchant onboarding and transaction flow: enforce merchant risk tiers, apply velocity and structuring rules, screen consistently, and capture evidence for every decision — so a sponsor-bank review is answered from one place.
Merchant risk controlled and evidenced end to end
One risk state per merchant
Merchant risk profiling with a single authoritative state — updated by onboarding screening, transaction velocity, and settlement patterns. Risk profile visible to the decision layer on every transaction.
Velocity and settlement-pattern rules
Tunable velocity and settlement-concentration monitoring rules, simulatable against real transaction history before going live. Keeps signal high and false-positive rates under control.
Consistent screening across all flows
Sanctions, PEP and adverse-media screening orchestrated into the decision — applied consistently across merchant onboarding and transaction flows, with per-check evidence for every result.
Sponsor-bank due diligence in minutes
Evidence packs covering any merchant, transaction or case are generated on demand. A sponsor bank review that used to take days is answered from one query.
Under the hood
Velocity, settlement-pattern and structuring rules across merchant and transaction flows — real-time, pre-authorisation.
Author and simulate merchant-specific monitoring rules without engineering changes. Tune false-positive rates before going live.
Every decision across onboarding and transaction flows is evidenced and queryable — one query answers any sponsor-bank request.
See how Fintegrity evaluates transactions in real time
We'll demonstrate a live PSP configuration — merchant risk profiling, velocity monitoring, settlement pattern rules, and evidence generation in one session.