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‹Business Data

Business 360

The whole merchant in one call. Identity, footprint, lifecycle and risk, resolved before you decide.

Payfac unmasking Registration & licensing Geocoding precision Tenure & churn Website & cyber grade Reviews & social Breach exposure Risk flags Statement descriptors Global coverage

Start using PayOS, pay per use. No sales call required.

One lookup, one enriched merchant profile
Resolved profile
Meridian Coffee Co.
payos_10••••••87
MCC 5814San Francisco, CA
MCC5814 · Fast Food
IndustryEating places
ChannelBrick & mortar
TenureEstablished
Active (30d)Yes
PayfacToast · POS
Website cyberGrade B · Low
SSLValid cert
GeocodeRooftop
HostingCloudflare
ProfileComplete
Risk signalPayfac-masked ID
Years active8+
Business typeLLC · Registered
Legal entityResolved
Reviews4.6 · High
AcceptanceVisa · MC · Amex
SanctionsClear
120+ merchant signals returned in one call
The true value

The signals behind the ratio.

Each signal tells a story a dispute ratio never will.

Steady growth · one payfac✕✕✕Dropped · dropped · dropped
01 / 04
Payfac hopping
Identity & payfac unmasking
✓Steady merchants grow in a straight line. Hoppers zigzag between payfacs, getting dropped each time.
✓Catch MATCH and VMAP escapees the moment they resurface under a new aggregator.
✕ Without PayOS
Merchant data is fragmented across identity, location, activity and risk sources
Payfacs hide the real business
✓ With PayOS
✓Identity & payfac unmasking ✓Location & geocoding ✓Activity & tenure ✓Cyber & risk signals
PayOS resolves the true business and returns identity, geocode, tenure, cyber grade and risk flags in one merchant profile.

Real problems, solved before money moves.

The same signal set drops into the moments that decide an outcome, from checkout to payout to compliance review.

Merchant onboarding
Verify and score a business before you enable processing or payouts.
Risk underwriting
Assess tenure, digital footprint and risk signals before approval.
Portfolio monitoring
Watch merchant risk signals across your book as they change over time.
Clean statements
Resolve raw payment descriptors into the true, cleansed merchant name.
Seller trust
Vet third-party sellers and suppliers before releasing payouts.
KYB & screening
Confirm ownership and screen watchlists to meet KYB obligations.
The new rules

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.
The blind spot

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.
The deadline

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.

Merchants resolved worldwide.

The same lookup resolves domestic and international merchants, so a business does not have to be local to be understood.

ReachDomestic and international merchants