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← Intelligence Platform

Every signal behind every merchant.

One lookup returns a cleansed, deeply enriched merchant profile, identity, location, industry, tenure, channel, payfac, website cyber and risk decisioning, derived from network-wide transaction data.

Resolved profile
Meridian Coffee Co.
payos_10••••••87
MCC 5814 San Francisco, CA
MCC 5814 · Fast Food
Industry Eating places
Channel Brick & mortar
Tenure Established
Active (30d) Yes
Payfac Toast · POS
Website cyber Grade B · Low
SSL Valid cert
Geocode Rooftop
Hosting Cloudflare
Profile Complete
Risk signal Payfac-masked ID
Years active 8+
Business type LLC · Registered
Legal entity Resolved
Reviews 4.6 · High
Acceptance Visa · MC · Amex
Sanctions Clear
120+ merchant signals returned in one call

One lookup. The whole business.

One call returns identity, registry standing, screening and risk, so you know exactly who you are doing business with before you enable them.

onboard.yourapp.com · New merchant
BusinessACME LLC
RegistryREGISTERED · ACTIVE
OFACCLEAR
MediaCLEAR
Screening…
Before you enable processing
Merchant onboarding
Identity verified via KYB
Registry: active, in good standing
OFAC screened clear
Adverse media clear
Onboarded same day

One merchant, resolved before you take the risk.

Every business behind a payment carries a legal identity, ownership, classification, location and risk signals. PayOS resolves and scores all of them from a single descriptor, so you onboard faster and lose less.

Payfac unmasking

See the real business behind any descriptor.

A payfac descriptor hides the true merchant. PayOS unmasks it, resolving the aggregated statement string into the actual legal entity you are transacting with.

PAYFAC DESCRIPTOR
SQ *A1B2 8005551212
→
TRUE MERCHANT ✓
Meridian Coffee Co.
EIN ••-•••4821 · MCC 5814
KYB · Ownership

Confirm ownership, clear the watchlists.

Resolve registration and UBO ownership, then screen sanctions and adverse media, so KYB obligations are met before you enable a merchant.

MCC · Classification

Know the category before you underwrite.

MCC, NAICS and SIC codes, plus brand and chain affiliation, let you slice risk and price every merchant by their true industry.

7 yr
Location · Tenure

See where and how long they have traded.

Geocoded address, MSA, channel and years in operation separate an established merchant from a freshly minted shell.

WEBSITE
https://•••.com
CYBER A+
Website · Cyber

Score the digital footprint.

Confirm a live storefront and a healthy cyber posture, catching card-not-present risk the paperwork alone will never surface.

TST*AB12 →
✓
Descriptors

Turn raw descriptors into the true name.

Cleanse cryptic statement strings into the real merchant name, cutting disputes and needless chargebacks.

US + GLOBAL
Coverage

Get the full profile on any business, US and Global.

One lookup returns the enriched, risk-scored profile on domestic and international merchants alike, wherever the business is registered.

Know the business behind every payment.

One lookup returns the verified merchant: identity, payfac unmasking, location, lifecycle and risk signals.

01
Merchant onboarding
Verify and score a business before you enable processing or payouts.
KYB
02
Risk underwriting
Assess tenure, footprint and cyber grade for sharper decisions.
Risk
03
Vendor & supplier checks
Meet third-party risk obligations across your supply chain.
Screening
04
Dispute deflection
Show the real business behind a charge before a chargeback is filed.
Descriptors
05
Sanctions screening
Screen the entity and its owners against global watchlists.
OFAC
06
Ongoing monitoring
Re-screen your book as businesses and watchlists change.
Monitoring

Clean merchant data, sharper decisions.

Existence confirmed
Existence, address, category and health flags.
Risk surfaced early
Sanctions, adverse media and cyber signals up front.
Faster onboarding
Less manual review, more automatic approvals.
Changes caught
Detect material changes and re-verify instantly.
Fewer disputes
Recognizable names stop chargebacks at the source.
Global coverage
The same lookup works across countries and registries.

Raw transaction strings in. Decisions out.

PayOS resolves a messy merchant descriptor into a clean, structured profile, then enriches it with dozens of signals and pre-computed risk flags so your team can decide in one call.

Raw input
TST*MERIDIAN CFE
8005551212 CA
Card acceptor ID4451•••922
MCC on file5814
Amount$28.40
→
Cleanse Enrich Score
240 ms
Resolved profile
RISK · LOW

Meridian Coffee Co.

Sole proprietor · EIN ••-•••4821 · Toast (payfac) resolved
Industry
Coffee shop · MCC 5814
Location
San Francisco, CA
Tenure
7 yrs · established
Web & cyber
Live · grade A+
Legal entity verified Ownership matched Sanctions clear

One descriptor in. A cleansed, enriched, risk-scored merchant profile out, in a single call.

Everything a business reveals, in one call.

One request fans out into every signal PayOS returns, grouped and ready to act on.

Business
One descriptor in. A full profile out.
Identity & Resolution
Legal entity Payfac unmasking DBA & aliases Website & MCC Registration #
Legitimacy & KYB
Registration UBO ownership Licenses Sanctions Incorporation
Risk & Reputation
Risk score Adverse media Chargeback signals Business age Online presence
+90
more signals
every response
Location & geocode Industry & MCC Activity & tenure Channel & acceptance Payfac & processing Website & cyber score Data completeness
and way more

Everything we resolve on one business.

One merchant in, every signal out. Identity, location, activity, footprint and risk, all from a single lookup.

Meridian Coffee
Resolved merchant
DESCRIPTORSQ *MERIDIAN
STATUSActive · verified
LOCATIONSan Francisco, CA
Identity & Registration Legal entity confirmed
Payfac Unmasking The merchant behind it
Location & Geocode Rooftop precision
Activity & Tenure Alive and established
Website & Cyber Digital footprint grade
Sanctions & Adverse Media Screened continuously
Risk Decisioning One scored answer

Signals that do real work.

A closer look at the capabilities teams rely on most, each shown with real profile data.

01

KYB

Verify the business before you trust it.

Confirm a business is real, registered and legitimately operated, with beneficial owners and watchlist screening, in one call.

Legal existence
Registration status and good standing.
Ownership & control
Resolve and verify beneficial owners.
Watchlist screening
Screen the business and owners against sanctions.
Learn more→
KYB result
legalEntity Verified
registration Active · DE
beneficialOwners Matched
watchlists No hit
02

Business 360

The real merchant, in one profile.

Resolve the true business behind a payment and return identity, payfac, location, lifecycle, digital footprint and risk signals together, all within one lookup.

Identity & payfac unmasking
See the real merchant behind an aggregator.
Location & lifecycle
Geocoding, tenure and activity in one place.
Cyber & risk signals
Website grade plus severity-rated risk flags.
Learn more→
Merchant profile
merchantName Sightglass Coffee
payfacDetected Toast · resolved
geocodeQuality ROOFTOP
riskSignals 2 · low

One ID in. A full profile out.

Look up by merchant ID or search by name and area; PayOS resolves against network-derived data and returns a cleansed, enriched, risk-scored profile.

Your app / platform
Look up by ID or name
→
PayOS Business Data
Resolve · enrich · score
→
Cleansed merchant profile
120+ signals · risk flags

Who puts Business Data to work

Payout platforms
Confirm a payee business is real and operating before releasing funds.
Collections teams
Resolve the true business behind a statement name to chase the right party.
Vendor & fintech onboarding
Screen suppliers and partners with verified identity and risk signals up front.
Risk monitoring
Track lifecycle, footprint and flags on merchants you already serve.
One merchant profile serves all four, so onboarding, payouts, collections and monitoring read from the same source of truth.

Merchant monitoring got a lot less forgiving.

Visa and Mastercard now judge every merchant on one combined ratio. Counted by events, not dollars.

( fraud reports + disputes ) ÷ settled transactions = one number that decides everything
VISA · VAMP
2.2%1.5%
$8 per bad transaction. No warning tier. April 2026.
VISA · ACQUIRER
0.5% / 0.7%
Portfolio bands. Your acquirer tightens on you first.
MASTERCARD · GMAP
1.5%0.9%
Counts fraud that never even becomes a chargeback.
MASTERCARD · SMMP
5% / 30d
Refunds + chargebacks. A flag starts a 72-hour clock.
Acquirers can no longer afford to find out a merchant is a problem after the disputes arrive.

A ratio says something is wrong. Never why.

The signal that predicted the breach was already visible somewhere else. See every angle at once, and act on the merchant, not the symptom.

Business activity
Registration, licensing, sudden ownership changes.
Web & social
Storefront live? Complaints forming before they become TC40s.
Cybersecurity
Leaked credentials, breach exposure, domain anomalies.
Anomaly detection
The ratio lags. Cross-surface anomalies lead.
Cut the right merchant. Grow the right one.
1.4%UNDER THRESHOLD
Deteriorating web presence, breach-exposed credentials. The bigger risk, and the ratio says nothing.
1.6%OVER THRESHOLD
One enumeration attack, clean business profile everywhere else. Worth saving, not offboarding.
False positives cost as much as false negatives. Save the ones worth saving. Exit the ones that were never real.

72 hours to prove a merchant is real.

Under Mastercard’s Scam Merchant Monitoring Program, a flag starts a 72-hour clock: investigate, decide, document. Confirmed scam activity means immediate termination. And since January 2026, every new merchant’s website must be scanned before the first transaction.

A ratio can flag a merchant. It cannot clear one. Business 360 clears it in one call:

✓Registration & licensing status
✓Operating history & tenure
✓Website live & matches stated model
✓Review & complaint patterns
✓Security posture & breach exposure
72h
AND COUNTING
Cleared in one call
Registered, operating, selling what it claims. A refund spike stays a refund spike.
Exposed in one call
Month-old storefront, no registration trail, recycled content. A scam, whatever its ratio says.
SMMP made verification a deadline problem. Business 360 makes the deadline achievable.

Understand the business behind the payment.

Pay only for the calls you make. Cleaner data, sharper KYB and pre-computed risk signals, from one merchant profile.

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