Merchant review at network scale, without the analyst backlog.
Automated merchant diligence and KYB. Agents inspect the storefront, trace the checkout and return a structured verdict an investigator can act on.
What this covers
Card networks and acquirers face the same wall: portfolios of merchant descriptors to vet for transaction laundering, prohibited content and shell storefronts, and far too few analyst hours to keep up. Overwatch runs that review with AI agents. They inspect the merchant and its policy pages, examine hosting and registration signals, trace the checkout and payment flow, pull external reputation, and output a risk verdict with the evidence behind it. The process mirrors a manual analyst workflow, scales to thousands of merchants, and measures its own accuracy against analyst review.
Capabilities
- Automated merchant due diligence
- KYB automation
- MCC validation and miscoding detection
- Transaction laundering signals
- Prohibited and high-risk content
- Shell storefront detection
Detect
Merchant descriptors resolved to live domains, with hosting, registration and reputation signals collected.
Investigate
Agents trace the checkout and payment flow, test policy pages, and assemble a structured evidence set.
How investigations workAct
A written verdict with risk indicators and confidence, returned into the review queue or via API.
Sample output
A structured verdict an investigator can act on.
- Raw descriptor
- ACME* QUILLAWAY7
- Resolved domain
- quillaway-goods.example
- Business type
- DTC web storefront
- Domain age
- < 6 months
- Registration
- Privacy-masked
- Verifiable contact
- None found
- Checkout / processor
- Not detected
- Analysis status
- Analyzed
Risk indicators
- Adult content found
- Recently registered, privacy-masked domain behind a CDN
- No verifiable business contact (email, phone, address)
- Urgency pricing and multi-unit upsell typical of high-risk DTC funnels
- Compliance claims unsubstantiated; policy pages not retrievable
Verdict
Elevated risk. A thin, recently stood-up storefront with adult content and no verifiable operator.
Questions
How accurate is it against a human reviewer?
Every review can be checked against analyst review, and accuracy is measured on your own merchant portfolio during onboarding.
Can it handle our existing merchant taxonomy?
Yes. Reviews map to your categories and MCC structure rather than a generic risk score.
Stop chasing alerts. Start working ahead of them.
Overwatch turns real-time understanding of the criminal underground into the investigations and risk decisions your fraud and security teams have to make every day.