SUPWM
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Solutions by workflow

From application
to ongoing oversight.

SUPWM is being designed around the decisions payment-risk teams make throughout the merchant lifecycle—not around disconnected data products.

07workflows

One merchant record, applied where the work happens.

Each solution combines the relevant SUPWM engines, customer policy and human review. Availability will depend on development, validation and the agreed customer scope.

01
Decide with better context before approval

Merchant Onboarding

Discovery · Website Intelligence · Compliance AI · Identity / KYB · Decisioning

The problem

Applications describe the legal business, but often reveal little about the merchant’s actual online offer, operating model or connected footprint.

SUPWM approach

SUPWM is designed to combine website intelligence, identity observations, merchant discovery and policy checks into a structured pre-approval review.

Intended outcomes

  • Faster triage of straightforward applications
  • Evidence for enhanced due diligence
  • Business-model and product classification
  • Documented approve, review or decline recommendation
02
Keep the approval decision current

Continuous Merchant Monitoring

Website Intelligence · Compliance AI · Continuous Monitoring · Decisioning

The problem

A merchant can add restricted products, change policies, connect new domains or shift its business model after underwriting is complete.

SUPWM approach

SUPWM is designed to compare current merchant observations with preserved historical evidence and route material changes into review.

Intended outcomes

  • Before-and-after change evidence
  • Prioritized alerts instead of raw page diffs
  • Portfolio-level review queues
  • Disposition history for recurring issues
03
Follow the business beyond the approved URL

Transaction Laundering Detection

Merchant Discovery · Identity / KYB · Transaction Laundering · Decisioning

The problem

An acceptable merchant may process payments for an undisclosed or prohibited business, leaving the payment provider exposed to fraud and network action.

SUPWM approach

SUPWM’s intended model combines domain relationships, shared identifiers, merchant history and human investigation to surface hidden commercial connections.

Intended outcomes

  • Relationship graph and source evidence
  • Suspected versus reviewed status
  • Prioritized investigation leads
  • Documented narrative for customer action
04
Find the web presence missing from portfolio data

Merchant URL Identification

Merchant Discovery · Website Intelligence · Identity / KYB

The problem

Legacy and downstream merchant records may lack a reliable URL, preventing meaningful content monitoring and weakening portfolio visibility.

SUPWM approach

SUPWM is designed to use merchant identifiers and public digital signals to identify candidate websites and document why each candidate may be related.

Intended outcomes

  • Candidate URL inventory
  • Relationship confidence and provenance
  • Reduced manual search work
  • Stronger monitoring coverage
05
Support classification with observable evidence

MCC Intelligence

Website Intelligence · Compliance AI · Risk Decisioning

The problem

A submitted MCC may not reflect the products, services or revenue activity visible on the merchant’s website.

SUPWM approach

SUPWM is designed to compare the observed commercial model and catalog with MCC definitions, then provide a recommendation with rationale and confidence.

Intended outcomes

  • Suggested MCC and alternatives
  • Catalog and business-model evidence
  • Mismatch detection
  • Consistent analyst review
06
Keep evidence, judgment and action together

Investigations & Case Management

All seven engines

The problem

Risk signals lose value when screenshots, notes, decisions and remediation history live across disconnected tools and inboxes.

SUPWM approach

SUPWM’s intended analyst workspace organizes findings, relationship evidence, review notes, assignments and dispositions around one merchant record.

Intended outcomes

  • Repeatable investigation workflow
  • Source-linked case evidence
  • Analyst and approver accountability
  • Exportable review history
07
See risk across PayFac, ISO and merchant layers

Downstream Portfolio Oversight

Merchant Discovery · Continuous Monitoring · Risk Decisioning

The problem

Sponsor banks and platform operators need visibility beyond direct relationships, but downstream data is often fragmented and inconsistent.

SUPWM approach

SUPWM is designed to organize sponsor, PayFac, ISO, merchant, MID and domain relationships into a portfolio hierarchy with consistent risk views.

Intended outcomes

  • Portfolio and sub-portfolio views
  • Concentration and trend visibility
  • Escalation across organizational layers
  • Consistent monitoring standards

Start with your workflow

Tell us where merchant information becomes incomplete, manual or difficult to defend. We’ll focus the conversation on the evidence and operating model your team actually needs.

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