Onboarding Risk Checks (70+)

Fast merchant onboarding risk screening for banks, PSPs, and acquirers — 70+ automated checks covering WHOIS, SSL, malware, domain intelligence, and payment surface signals in one evidence-backed report.

Onboarding Risk Checks (70+) is PayLegit's quick merchant onboarding screening layer for banks, PSPs, and merchant acquirers — combining WHOIS and domain intelligence, SSL and certificate analysis, malware and web threat detection, OSINT, live website scanning, and payment surface checks into one severity-graded risk case per merchant.

Built for fast onboarding decisions, PayLegit runs technical and identity signals in parallel: WHOIS registration age and ownership consistency, SSL certificate validity and trust chain integrity, malware and phishing indicators, disposable email and VoIP detection, redirect chain analysis, and hidden payment infrastructure discovery — so acquirers can approve genuine merchants faster while blocking risky applications early.

Most fraud and compliance failures never appear on an application form. They surface in lookalike storefronts, social payment funnels, hidden payment IDs, post-approval content changes, and settlement patterns that look like commerce but behave like pass-through laundering. This module closes that gap at onboarding and continuously after go-live.

Four intelligence layers power the 70+ checks:

Digital Presence & OSINT — Content mismatch detection, scheme content violations, pay-by-link routing, social payment funnels, payment ID discovery, ad traffic and lookalike campaigns, scam intelligence, hidden payment patterns, subdomain discovery, social profile mapping, and product catalog analysis.