Resolve the True Merchant
Normalize names, addresses, domains, phones, and emails, then deduplicate exact and fuzzy matches so aliases, duplicates, and fraud-ring links collapse into one canonical merchant ID.
Turn Signals Into Risk
Run 13 providers across digital footprint, business legitimacy, behavior, sanctions, network links, scam patterns, and adverse media, then produce a transparent 0-100 Safety Score from 17 deterministic rules.
Explain the Next Action
Advise on live transactions in under 120ms, return reason codes, feed outcomes back into the profile, and auto-open AI investigation dossiers for critical signals.
The risk layer
PayFacs were missing.
MercSentAI was built to solve two problems that standard underwriting consistently misses: fraudulent and sanctioned merchants slipping through onboarding, and legitimate merchants silently drifting into high-risk territory over time. Both cost Canadian payment facilitators millions in preventable chargebacks and compliance exposure.
Our platform operates entirely outside the authorization lane — enriching merchant identities, scoring onboarding applicants, and monitoring lifecycle behavior in real time. We deliver structured advisory intelligence only. The PayFac retains full approval authority at all times.
Your entire portfolio,
in one view.
The Intelligence Dashboard gives risk teams a real-time view of merchant safety scores, active alerts, and portfolio-wide trends — updated continuously as transactions flow.
See the platform at work.
Every signal that matters,
unified.
Everything your risk team needs,
in one unified engine.
From onboarding to
ongoing monitoring.
From merchant data to risk decision,
in under 100ms.
Every enrichment request runs sanctions screening, MCC validation, domain analysis, and network graph scoring in parallel — converging into one advisory score.
Let's talk risk intelligence.
We respond within 24 hours.
Whether you're exploring early access, have a technical question, or want to discuss a partnership — reach us directly.