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MVP · PRODUCTION

Merchant intelligence,
real time merchant advisory.

Identity-first enrichment, scam & collusion detection, and sub-120ms transaction scoring — advisory only.

Request early access View demo
0.4k
merchants
p95 0ms
tx scoring
0h
investigation SLA
SANCTIONS SCREENING·MCC VALIDATION·DOMAIN INTELLIGENCE·VELOCITY ANALYSIS·NETWORK RISK·GEO MISMATCH DETECTION·REAL-TIME SCORING·PORTFOLIO MONITORING·REASON CODE CLASSIFICATION·RISK TIER ASSIGNMENT·ALERT MANAGEMENT·COMPLIANCE REPORTING·SANCTIONS SCREENING·MCC VALIDATION·DOMAIN INTELLIGENCE·VELOCITY ANALYSIS·NETWORK RISK·GEO MISMATCH DETECTION·REAL-TIME SCORING·PORTFOLIO MONITORING·REASON CODE CLASSIFICATION·RISK TIER ASSIGNMENT·ALERT MANAGEMENT·COMPLIANCE REPORTING·
The Platform

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.

Real-time safety scores across all merchants
Active alert management with reason codes
30-day trend analysis and risk distribution
M
MercSentAI
Merchant Intelligence
LIVE
Merchants
12
+8%
Txns Today
312
+3%
Alerts
8
-3%
Avg Score
70
+2%
Portfolio — Top RiskView all →
Tim Hortons Ltd
SANCTIONS_CLEAR
LOW
82
GTA Electronics Inc
SANCTIONS_HITMCC_MISMATCH
CRITICAL
41
Western Foods Co
DOMAIN_YOUNG
MEDIUM
67
Loblaws Digital Ltd
SANCTIONS_CLEAR
LOW
91
Capabilities

Every signal that matters,
unified.

Real-Time Scoring
Sub-100ms risk scores from our ML ensemble — sanctions, MCC, domain, and velocity signals fused into one unified score.
Compliance
Automated OFAC, UN, and FINTRAC screening across 40+ global watchlists.Every enrichment, every time, in real time.
Portfolio Intelligence
Full portfolio monitoring with risk heatmaps, 30-day trend analysis, and proactive alerts before issues escalate.
MCC Validation
Detect category fraud and MCC misclassification using transactional behavior modeling across your portfolio.
Domain Intelligence
SSL validation, domain age scoring, privacy policy detection, and business registration cross-referencing.
Network Graph Risk
Identify beneficial ownership links, shared infrastructure, and collusion risk across merchant networks.
Platform Architecture

Everything your risk team needs,
in one unified engine.

Command Center
Centralized visibility into your portfolio's health, featuring real-time risk distribution and 30-day safety trends.
Active Monitoring
Continuous risk surveillance with automated severity triage, status tracking, and portfolio-wide anomaly detection.
Merchant Repository
A complete ledger of onboarded entities with sortable risk drivers, policy badges, and instant re-enrichment.
Transaction Log
Deep-dive into event payloads with applied risk scores, automated rule triggers, and comprehensive metadata.
Advanced Analytics
Visualize risk concentration, MCC breakdowns, and historical block/approve ratios to optimize your rule engine.
Entity Profile
Comprehensive 360-degree view of a single entity, detailing network links, compliance checks, and policy evaluations.
Case Management
Streamline compliance workflows with dedicated case assignment, resolution tracking, and full audit trails.
Simulation Sandbox
Manually test transaction payloads or merchant profiles against your active risk models to validate rule accuracy.
How it works

From onboarding to
ongoing monitoring.

01
Submit merchant data
Send an enrichment request via our REST API or dashboard. Legal name, address, MCC, website — we handle the rest.
02
Intelligence runs in parallel
Our pipeline simultaneously runs sanctions screening, MCC validation, domain analysis, network graph scoring, and behavioral modeling.
03
Act on the unified score
Receive a 0–100 safety score, risk tier, reason codes, and recommended action — APPROVE, MONITOR, or REVIEW — in under 100ms.
enrichment-response.json
{
"merchantId": "MRC-4829-CA",
"safetyScore": 82,
"riskTier": "LOW",
"sanctionsHit": false,
"mccMatch": true,
"recommendation": "APPROVE",
"processingTimeMs": 84,
}
What teams say

Trusted by risk teams across Canada.

“We cut manual review time by 70% in the first quarter. The reason codes are precise enough that we trust them completely.”

Sarah K.
Head of Risk, Canadian PayFac

“Sanctions screening that actually works in real time. We stopped two high-risk onboardings in the very first week.”

Marcus T.
Compliance Officer, FinServ Group

“The portfolio view changed how we think about monitoring. We see the whole picture now — not just individual incidents.”

Priya M.
VP Operations, Payments Platform

Ready to know your merchants?

MercSentAI is invite-only. Apply for early access — we onboard 5 new partners each month.

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