Merchant research for high-risk payments

The yes/no on a merchant takes minutes. Getting there takes three to four days.

KYB Scout compresses the research phase — site teardown, registries, ownership checks, audit-ready screenshots — to under an hour. The analyst still makes the call.

The problem

Three to four days of work before the real work starts

An experienced analyst can read a merchant and know in minutes. The file that gets them there takes days.

Ten tabs open. The registry in one, the merchant's own site in six more because the application rarely matches what the site sells. Pulling documents from five different places. Starting from a blank page every time.

By the time the file is assembled, the judgment — the part that required the analyst — gets whatever attention is left.

The next analyst who opens a case builds it differently. The inconsistency compounds.

Without KYB Scout — 10 tabs open 3–4 business days
merchantsite.com — 6 tabs: products, terms, payment page Mismatch vs application
Malta Business Registry — PDF download pending Unconfirmed UBO
Wayback archive — 2022 terms & refund policy Discrepancy
OFAC & EU consolidated search log Manual screenshot
Director profile — screenshot, source not saved Unverified
Untitled_merchant_notes_v3.docx Blank page start

The human cost: pulling evidence from five disconnected sources, starting from a blank document every time. By the point judgment is finally needed, the analyst's attention is already spent.

With KYB Scout — the structured pack Under one hour

Pack ref — illustrative

Nordway Gaming Ltd. — Malta

Fully sourced

Business model & geographies

Online sportsbook & casino, EU + LatAm-facing

merchant site — product & terms pages

Ownership structure

UBO chain resolves to 2 individuals; 1 holding co. unresolved

corporate registry cross-reference

Screening

No match — OFAC SDN, EU consolidated list

sanctions screen, run at generation

The result: a structured pack waiting for your underwriter. The facts are gathered, cited, and organised — leaving the analyst free to evaluate and make the call.

The gap

Verification tools don't solve a research problem

Sumsub tells you the director exists. World-Check tells you he's not sanctioned.

Neither tells you what the business actually is, what it sells, and where it ships — with proof attached. That's the three to four days. That's the phase no tool has claimed.

KYB Scout does the research. Your team does the analysis.

How it works

One input. A structured pack in under an hour.

01

Drop in the merchant URL

No document upload required to start. KYC documents feed in too, if you have them.

02

Crawl & cross-reference

The merchant's site, public registries, sanctions and adverse-media sources, ownership records.

03

Structured pack assembly

Business model, products, geographies, ownership signals, risk indicators — every fact linked to its source.

04

Your analyst decides

KYB Scout never scores the merchant or recommends approve or decline. That call stays with your team.

The guardrails

What it will never do

These are not features. They are the constraints the product was built backwards from.

Non-negotiable

No risk score

No approve/decline recommendation, ever.

Sourced

No unsourced facts

Every extracted line links to a registry page, screenshot, or document.

Dedicated

No shared infrastructure

Each pilot is a dedicated deployment scoped to your data policy.

Private

No training on your data

Merchant information is never used to train a general model.

Consistent

No inconsistency

Same structure back, regardless of which analyst runs it.

Vertical-built

No generic KYB

Built for iGaming, crypto, forex — not standard SaaS onboarding.

The self-check

Questions worth asking any tool that claims to solve this

If a tool can't show its work, the file it produces can't be defended at exam time.

The accountable person and the deciding person should be the same person.

Most tools handle verification. The 3–4 day phase is research and structuring — a different problem entirely.

Concentration risk and data portability are exam questions now, not future concerns.

Inconsistent files are what turn a routine audit into a long one.

Most tools pass two of these.

For both sides of the queue

Built for analysts and compliance leadership

Analysts

Analysis, not archaeology

The research arrives assembled. The analyst verifies and decides.

Consistent structure across every file means less rework, a cleaner audit trail, and a portfolio of defensible cases that speaks for itself.

Compliance leadership

Defensible eighteen months from now

Standardized, source-linked files from day one. Something you can put in front of a regulator without rebuilding the file from scratch.

Onboard at the volume sales needs without lowering the standard compliance requires.

The falsifiable proof

See it against a file your team already built

Send the URL of a merchant you have already onboarded. KYB Scout sends back the pack. Put it next to what your analyst built and decide which one you would rather defend three months from now.

If it is not better, this is not the right fit yet — no follow-up sequence, no hard sell.

Where it runs

Built inside a live high-risk PSP. Deployed on yours.

KYB Scout was built inside a live high-risk PSP's compliance workflow — by people who watched the research phase absorb three to four days of analyst time per merchant, and compressed it to under an hour internally.

Each pilot ships as a dedicated deployment scoped to the client's infrastructure and data policy. Merchant data is never used to train a model. It does not leave the client's control without explicit sign-off.

Dedicated deployment No model training Client sign-off on data
Get in touch

Twenty minutes on a real merchant tells you whether the math works.

If your team onboards merchants regularly into high-risk verticals, a short walkthrough on an actual case will tell you more than any demo.


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