Marketplace Onboarding & Monitoring

Risk assessment for marketplace and payment facilitator merchants — sub-merchant screening, undisclosed activity detection, and platform-level compliance.

Marketplace Onboarding & Monitoring addresses the unique risk challenges posed by marketplace and platform economy merchants. When a marketplace operates under a single merchant ID but hosts hundreds or thousands of sub-merchants, traditional screening approaches fail to capture the true risk profile.

PayLegit's marketplace module enables acquirers to assess individual seller risk, detect undisclosed marketplace activity, identify policy violations at the sub-merchant level, and monitor for prohibited products and services across the entire platform ecosystem. This granular visibility is essential for complying with card scheme requirements around payment facilitators and marketplace operators.

Undisclosed marketplace activity — where a merchant hides their platform model during onboarding — is a growing scheme enforcement focus. This module detects platform indicators, multi-vendor catalog patterns, and sub-merchant splitting that single-MID screening cannot surface.