A magnifying glass lying on a laptop keyboard
Monitor

Detect merchant website changes

Compliance must be maintained. This can be one of the biggest problems when managing a portfolio of merchants, especially if it's large. Avoid wasted people-power with Web Shield's Monitor and ensure non-compliant merchants never slip through the net.

Tried and tested card scheme compliance

Web Shield is an official Mastercard Merchant Monitoring Service Provider. Our clients can expect mitigation in case of non-compliance issues.

Persistent merchant monitoring

Automated merchant monitoring is essential for the long-term health and profitability of your merchant portfolio.

Fully flexible configuration

Configure Monitor to fit your needs: Set monitoring frequencies per risk category, tinker with specific rules, and more.

Modular design for flexible monitoring

Combine Monitor with InvestiGate for an effective monitoring regime and data consistency.

Flexible monitoring models

A complete toolbox for onboarding and compliance

We understand that it is rare for any two companies to have the same risk appetite or due diligence workflow. Choose which option best suits how you work.

InvestiGate Monitoring

Take advantage of our complete onboarding and monitoring package. Get the best possible risk information and use exclusive features.

Standalone Monitoring

Monitor any merchant portfolio, even without a corresponding InvestiGate case. Stay flexible and screen even large portfolios quickly.

A man looking at a screen while a colleague points a pen at it

Typical card scheme rules violations

The Mastercard BRAM program and Visa's VIRP are the bible for merchant underwriters. Web Shield's Monitor helps you follow it.

There are a plethora of risk indicators tied to card scheme rule violations that Monitor detects automatically.

1. Changing content and website information

Identifying illegal content is as important at the monitoring stage of a merchant's lifecycle as at onboarding. Online content changes fast and has the potential to introduce new risks into an otherwise smooth acquiring relationship. With Monitor, we periodically crawl all known merchant websites to identify emerging problematic content throughout your merchant portfolio.

2. Transaction laundering attempts

Transaction laundering is the practice of injecting illegal or non-compliant payments into legal transactions. It is a practice that is hard to detect, especially at onboarding. But signs of transaction laundering, like unknown merchant websites, often become clearer with time.

3. MCC changes

Sometimes a merchant's offering changes so radically that its entire business model has to be re-evaluated. A merchant's MCC (or card acceptor business code) is information that is essential to Visa and Mastercard - and a wrong MCC can lead to serious problems. Especially when such a 'miscoding' means a merchant now falls into an MCC deemed high-risk by the card schemes.

Quick and easy portfolio risk management

Take advantage of automation to keep your merchant portfolio profitable in the long term. Let us show you how we do it.