Solutions
Acquiring & Acceptance
Card acquiring strategy, merchant onboarding frameworks, SoftPOS deployment, omnichannel acceptance architecture, chargeback management and high-risk merchant acquiring.
← All SolutionsMerchant Onboarding and Underwriting
Merchant onboarding is where the most consequential risk decisions are made by acquirers and payment facilitators: and where commercial pressure toward speed conflicts with the obligation to know who is being onboarded. We work with acquirers and PayFacs to design onboarding flows that raise automated approval rates on clean applications while applying targeted scrutiny where risk indicators warrant it. This includes KYB framework design, risk scoring models, ultimate beneficial ownership analysis and fraud pattern detection.
SoftPOS and Omnichannel Acceptance
The card acceptance infrastructure has changed more in the last five years than in the preceding two decades. SoftPOS solutions that turn a merchant's Android device into a contactless acceptance point are now certified under PCI CPoC and EMVCo standards, removing the last functional gap between dedicated hardware and software-only acceptance. We advise on SoftPOS deployment strategy, PIN on Glass implementation, multi-channel transaction coordination and unified acceptance across in-store, online and in-app environments.
Chargeback and Dispute Management
A significant proportion of chargebacks received by merchants can be prevented. Weak transaction descriptors generate friendly fraud disputes where no actual fraud occurred. Absence of 3DS authentication means the merchant bears fraud liability that 3DS would have shifted to the issuer. For merchants with elevated chargeback ratios, the consequences escalate through scheme monitoring programmes to monthly fines of tens of thousands and potential exclusion. We help merchants and acquirers design prevention programmes and representation frameworks that achieve 40–70% win rates on disputable reason codes.
PayFac and Marketplace Payments
The payment facilitator model allows software platforms and marketplaces to onboard sub-merchants and disburse their settlements under their own master merchant agreement, bearing underwriting risk in exchange for a larger share of payment economics. We help platforms evaluate whether PayFac makes commercial and regulatory sense, structure the sponsoring bank conversation, design sub-merchant underwriting frameworks and manage scheme registration requirements for Visa, Mastercard and regional schemes.
Discuss your requirements
Speak directly with a specialist across any of these areas.