Solutions
Acquiring & Acceptance
Card acquiring strategy, merchant onboarding frameworks, SoftPOS deployment, omnichannel acceptance, chargeback management and high-risk merchant acquiring.
← All SolutionsMerchant Onboarding and Underwriting
Onboarding is where acquirers and payment facilitators make their most important risk decisions, and where pressure to approve quickly conflicts with the duty to know who is being onboarded. We help acquirers and PayFacs design onboarding flows that approve clean applications automatically and focus manual review where risk indicators justify it. This covers KYB frameworks, risk scoring, beneficial ownership analysis and fraud pattern detection.
SoftPOS and Omnichannel Acceptance
Card acceptance has changed more in the past five years than in the previous twenty. SoftPOS turns a merchant's phone into a contactless terminal, and the PCI MPoC standard now covers both contactless acceptance and PIN entry on the device. We advise on SoftPOS deployment, PIN on Glass, and unified acceptance across in-store, online and in-app channels.
Chargeback and Dispute Management
Many chargebacks can be prevented. Unclear transaction descriptors trigger disputes where no fraud took place, and transactions without 3DS authentication leave the merchant carrying liability that would otherwise shift to the issuer. Merchants with high dispute ratios enter scheme monitoring programmes, which bring monthly fines and, in the end, the loss of card acceptance. We help merchants and acquirers build prevention programmes and representment processes that win more disputes on challengeable reason codes.
PayFac and Marketplace Payments
The payment facilitator model lets software platforms and marketplaces onboard sub-merchants and pay out their settlements under one master merchant agreement. The platform takes on underwriting risk in return for a larger share of payment revenue. We help platforms decide whether PayFac makes commercial and regulatory sense, prepare for sponsor bank discussions, design sub-merchant underwriting and handle scheme registration with Visa, Mastercard and regional schemes.
Discuss your requirements
Speak directly with a specialist in any of these areas.