Merchant Risk Intelligence Built for US Banks and PSPs

US acquirers and PSPs face escalating exposure from AI-generated storefronts, synthetic identities, and transaction laundering that bypass traditional KYC. PayLegit continuously verifies merchant legitimacy against Visa VIRP and Mastercard BRAM requirements, BSA/AML obligations, and FinCEN guidance — inspecting actual payment infrastructure rather than static documentation, before and after onboarding.

Card network compliance mapping

Map merchant risk signals to VIRP content integrity requirements and BRAM prohibited/restricted categories with quoted evidence — so compliance teams can act before scheme inquiries escalate.

State money-transmitter awareness

Identify merchants whose payment flows, licensing posture, or business model create exposure under state money-transmitter and MSB frameworks — beyond what document-only KYC captures.

Why document-based KYC fails against generative AI

Synthetic storefronts, deepfake onboarding assets, and AI-written policy pages pass static checks while hiding illicit payment infrastructure. PayLegit inspects live payment surfaces — links, wallets, VPAs, and checkout flows — not just uploaded PDFs.