Managing Merchant Risk: Best Practices for Underwriting, Onboarding, and Monitoring

Report Summary

Managing Merchant Risk: Best Practices for Underwriting, Onboarding, and Monitoring

The evolving payments space challenges acquirers and their partners to assess and manage merchant portfolio risk.


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Ron van Wezel
Strategic Advisor
David Mattei
Strategic Advisor

July 26, 2022 – Acquirers should revisit their control frameworks to adapt to an ever-changing risk landscape. Acquirers report opening thousands and even tens of thousands of merchant applications monthly. Manual processes make it nearly impossible to manage ongoing risk across such a large merchant base. Acquirers must deploy automated tools to monitor and risk-assess behaviors at scale and generate alerts of abnormal activity for further investigation. Based on their portfolio’s risk profile, acquirers must continually update merchant risk management policies to prevent financial losses and reputational damage.

This Aite-Novarica Group report surveys the merchant underwriting, onboarding, and monitoring practices that global payment companies have implemented. It highlights the challenges these market players face in managing merchant risk in an increasingly competitive market.

This 28-page Impact Report contains six figures and three tables. Clients of Aite-Novarica Group’s Retail Banking & Payments or Fraud & AML service can download this report and the corresponding charts.

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This report mentions Aperia, Bureau van Dijk, Dun & Bradstreet, Equifax, Experian, Everseen, FICO, G2, Jarvis, Kount, LexisNexis Risk Solutions, Square, Thomson Reuters, TransUnion, and WebShield.

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