Consulting

The constant evolution of complexities in today’s risk environment is challenging and requires a proactive approach. MercanitleX focus on operational process, risk control and compliance provides unmatched policy implementation. Our consultancy addresses all industry participants including Acquiring Banks, Payment Facilitators, Independent Sales Organizations, Independent Software Vendors and Enterprise Merchants.

Our goal is to counsel, plan and implement a tailored operation for your business that minimize risk exposure and maximize efficient operations to boost profitability.

Card Scheme Review

MercantileX conducts audits for domestic and global risk programs. Our experts are inline with Visa’s Acquirer Risk Program (ARP), Global Acquirer Risk Standards (GARS) and Global Brand Protection Program (GBPP), as well as MasterCard’s Fraud Management Program (FMP).

Our audits encompass a thorough examination of a client’s policies, procedures and portfolios to ensure that all card scheme regulations, rules, standards, guidelines and gap analysis are inline to the card scheme rules with evidence-based practices.

Fitness Review

All businesses in the supply chain of electronic payments are vulnerable to merchant fraud. It requires vigilance and adaptability to stay ahead of the curve. MercantileX offers risk, underwriting, compliance and complete operational policy assessments to help your business mitigate risk vulnerabilities. Through a comprehensive audit of AML, KYC, underwriting, chargeback policy, velocity data, attrition, pricing, fraud practices, and more proprietary analysis, MercantileX will uncover critical risk exposure and weaknesses. The outcomes are used to develop recommendations and implement practical policies to keep your organization operational.

Policy and Procedure

As is the case with many organizations, weaknesses lie within implemented policies and procedures. Merchant acquirers are required to develop a comprehensive set of documented policies and procedures that address risk management and underwriting. MercantileX has developed custom and templated Standard Operation Procedure guides that comply beyond card scheme rules.

Industry Guidelines

As a Brain Trust on risk and fraud management, MercantleX is instrumental in implementing Guidelines designed to provide effective strategies for underwriting and mitigating merchant risk. Our guidelines include input from Acquirers, Payment Facilitators and Super ISO’s processing billions of dollars annually. MercantileX has a competitive advantage to delivering real world Guidelines to keep your organization ahead of your competition.

Due Diligence

When it comes to buying or selling a merchant portfolio, paying close attention to the merchant demographics and operational details that can impact the value and long-term success of the transaction. MercantileX provides expert insight to ensure clients clearly understand the types of merchants in the portfolio and the risks they present, as well as the operation’s potential weaknesses.

Education & Training

Everything between electronic payments 101 to emerging fraud scams; MercantileX offers training programs that are designed to help your organization achieve a new level of expertise about electronic payment and risk mitigation of the industry.

MercantileX provides practical knowledge and training to bolster our client’s confidence of global electronic payments. Effective, ongoing training will reduce loss, mitigate threats and streamlining your operation for scalable growth.

If you're looking for a partner to review your business, we'd love to hear from you.

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