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Vigilant Merchant Oversight

Merchant Watch

Mitigate the risk of fraud and financial liability, preserve your reputation, and ensure regulatory and payment network compliance by maintaining a vigilant watch on your merchants to prevent online fraud.

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Product Features

One solution customised for your needs.

Merchant monitoring is essential for financial license holders or entities operating aggregated models to manage risk, prevent online fraud, ensure regulatory compliance, protect their reputation, and fulfil their obligations with regulators and payment network schemes. By actively monitoring your merchants, you can maintain a secure and trustworthy payment ecosystem for all stakeholders.

Our team of specialised professionals diligently monitors your merchants and promptly investigates any irregularities or outlier behaviour to prevent online fraud. We provide timely feedback and guidance on necessary actions for you to take, such as blocking transactions or suspending accounts, ensuring your peace of mind as you continue to focus on your business operations.

Exception Management

Analysis of merchant processing patterns to detect variances from expected behaviour. We apply rule-based filters and automated techniques involving hybrid intelligence models to identify exceptions in merchant processing patterns that could indicate suspicious activity and carry out an investigation. 

External Communication

As a result of investigations, we can correspond with the merchant on your behalf to request sales drafts, agreements and other documentation to validate the merchant’s recent activity. 

Standards and Programs Compliance

Movated may assist you in reaching compliance with card payment scheme standards; Mastercard Fraud Loss Control Standards, Visa Global Acquirer Risk Standards and programs; Visa Dispute Monitoring Program (VDMP), Visa Fraud Monitoring Program (VFMP), Mastercard Excessive Fraud Merchant (EFM), Mastercard Excessive Chargeback Merchant (ECM). 

Network Intelligence

Similar to the Transaction Protect product, when it comes to data points and fraud inputs, the more the merrier. We ingest data relevant to the merchant’s business from global players with worldwide coverage to maximise our decisioning capabilities. 

Sub-Merchant Monitoring

In the case where there is an additional entity in the merchant hierarchy as the result of aggregation, hierarchical oversight and indirect monitoring of sub-merchants is carried out. 

Regulatory Reporting

Statistics and information to facilitate reporting to the competent supervisory authority for financial license holders. Includes the preparation of Suspicious Activity Reporting.

Transaction Laundering Detection

Identification of illegal or unauthorised transactions disguised or hidden within legitimate payment transactions processed by a merchant or service provider. 

VIRP and BRAM

Investigation of merchants and preparation of reports concerning requests under the Visa Integrity Risk Program (VIRP) including Transaction Laundering Detection (TLD) Investigations and Mastercard’s Business Risk and Mitigation (BRAM) program.

prevent online fraud

In Action

How it works.

Discovery

We collaborate to understand your e-commerce operations, assess existing fraud prevention measures and risk appetite, define objectives and customise the fraud detection solution. Here we set the groundwork to tailor a fraud management strategy to your unique needs and challenges.

Ingest

We then ingest your historic data in whatever format you have and process it. This consists of a variety of transaction and user data, including purchase history, customer profiles, and transaction details. This data is analysed using advanced algorithms and machine learning to identify patterns and anomalies indicative of potential fraud. 

Connect

You then need to send your transactions to us, whether in real-time or in batch depending on the service being offered. No coding from your end is required, as we interface to gateways, provide integration tools and we are generally flexible to work with whatever data you have available.. 

Activate

Once you are connected to us, we verify the setup and the service is activated. Movated will now start monitoring your merchants according to the agreed frequency.

Escalate

While you move on with your business, we will do the fraud management in the background on your behalf. We will escalate items of a more important nature that require your intervention according to your communication preferences agreed to in the Discovery phase. 

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Connect today.

Navigate fraud’s intricate world with our specialists. Ensure safe transactions and peace of mind. Harness decades of experience. Let’s make your business safer.

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Our products

Our Products.

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Dispute Guard
Prevention is better than cure. Avail yourself of proactive payment fraud prevention measures to identify and prevent chargebacks before they occur, reducing associated financial losses. And if a cure is required, we can also assist you with that.
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Portfolio Control
Portfolio Control ensures fraud risk mitigation and steadfast adherence to all regulatory and scheme requirements.
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Merchant Watch
Mitigate the risk of fraud and financial liability, preserve your reputation, and ensure regulatory and payment network compliance through vigilant payment fraud prevention and by maintaining a watchful eye on your merchants.
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Transaction Protect
Reduce fraudulent transactions and protect your business from financial losses, reputational damage, and regulatory non-compliance.
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