Prevent Transaction Laundering. Detect Risky Merchants. Protect Payment Flows.

PayLegit is a payment-legitimacy-first merchant risk intelligence platform for banks, acquirers, PSPs and PayFacs. Detect transaction laundering, mule and shell merchants, hidden payment flows, Pay-by-Link abuse and illegal or brand-damaging merchant activity across the merchant lifecycle.

Trace risk from merchant websites and social channels to the payment flows monetizing it — helping risk teams identify, investigate and act on merchant risk from onboarding through ongoing monitoring.

One URL In. A Full Risk Report Out. In 45–60 Seconds.

Submit a single URL and PayLegit's crawler and LLM-powered analysis engine return a complete multi-module risk report in 45–60 seconds — covering MCC classification, illegal content detection, payment risk scoring, mule & shell discovery, and hidden payment infrastructure. Explore graph analysis, the World Crawler, and the content compliance library.

Built for Global Card Schemes and Acquirers

BRAM & VIRP compliance software with 34+ risk verticals, 60,000+ gaming and gambling whitelist/blacklist records, and jurisdiction-aware coverage across the United States, Europe, South America, and Asia.

From First Scan to Every Transaction After

Onboard — verify merchant identity against 70+ risk checks. Trace — follow content back to social posts, ads, and payment links. Monitor — continuously watch for mule patterns, shell structures, and payment link abuse.

Built for BRAM, VIRP, AML & FATF Compliance

One platform, continuously auditable — so you can show regulators effectiveness, not just process. Learn more about the key challenges PayLegit solves.