Gazprombank. Fintech Accelerator

At the Gazprombank Fintech Accelerator we presented Merchant Inspector, a platform for automated onboarding and monitoring of e-commerce merchants, and won a prize.

What we showed

When banks and payment systems onboard online stores, they still check merchant websites largely by hand: it takes time, costs a lot and leaves gaps. Merchant Inspector automates this work, flags risks right at the onboarding stage, and then keeps re-checking existing merchants on a regular basis.

• automated merchant website checks against a set of criteria — legality, reputation, technical anomalies;
• detection of prohibited content, including content hidden in images, using OCR;
• matching the assigned merchant category code (MCC) against the actual website content;
• domain checks against the registry of Roskomnadzor (Russia's internet regulator), WHOIS and reputation services;
• scheduled re-monitoring, with check results linked to transaction data and case management.

Results

The prize-winning place at the accelerator confirmed that a major bank needs this solution: manual merchant website review can be replaced with automated checks, reducing regulatory, reputational and fraud risks in acquiring.

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