Envisso | Turning merchant risk into a growth strategy | Envisso

We’re flipping risk

The problems we solve

The Solutions we offer

Payment Providers

Inaccurate Manual Assessments

Traditional merchant risk assessments are done manually and rely heavily on assumptions.

Automated Risk Assessment

Merchant risk assessments are done automatically and rely on data over assumptions.

Ineffective Risk Protection

Payment providers are forced to take collateral from merchants to mitigate risk.

Zero Collateral Negotiations

Payment providers can onboard higher-risk merchants without collateral negotiations.

Merchants

Loss of Working Capital

Providing collateral to payments companies ties up valuable working capital.

Retain Working Capital

Insurance cover enables merchants to hold onto their working capital rather than handing it over as collateral.

Slow Merchant Onboarding

Slow onboarding means it can take weeks before a merchant can start making sales.

Frictionless Onboarding

Merchants onboard faster with automated risk assessment and protection.

The Problems We Solve

Payment Providers

The Problem

Inaccurate Manual Assessments

Traditional merchant risk assessments are done manually and rely heavily on assumptions.

The Solution

Automated Risk Assessment

Merchant risk assessments are done automatically and rely on data over assumptions.

The Problem

Ineffective Risk Protection

Payment providers are forced to take collateral from merchants to mitigate risk.

The Solution

Zero Collateral Negotiations

Payment providers can onboard higher-risk merchants without collateral negotiations.

Merchants

The Problem

Loss of Working Capital

Providing collateral to payments companies ties up valuable working capital.

The Solution

Retain Working Capital

Insurance cover enables merchants to hold onto their working capital rather than handing it over as collateral.

The Problem

Slow Merchant Onboarding

Slow onboarding means it can take weeks before a merchant can start making sales.

The Solution

Frictionless Onboarding

Merchants onboard faster with automated risk assessment and protection.

How we do it

Merchant Scoring & Monitoring

Automated merchant credit and compliance risk scoring for onboarding and ongoing monitoring.

Risk Evaluation

Probability of Default

0.3%

0.3%

Risk Evaluation

Exposure

$750,000 USD

$750,000 USD

Risk Evaluation

Chargeback Rate

0.2%

0.2%

Risk Evaluation

Probability of Default

0.3%

0.3%

Risk Evaluation

Exposure

$750,000 USD

$750,000 USD

Risk Evaluation

Chargeback Rate

0.2%

0.2%

Risk Protection Insurance

Credit insurance embedded with transactions that protects payments companies against merchant default and removes the need to take collateral.

Protecting merchant risk

Merchant Credit Risk Insurance

Premium % of TPV

0.02%

0.02%

Protecting merchant risk

Merchant Credit Risk Insurance

Exposure Covered

$1m USD

$1m USD

Protecting merchant risk

Merchant Credit Risk Insurance

Collateral Required

$0

$0

Protecting merchant risk

Merchant Credit Risk Insurance

Premium % of TPV

0.02%

0.02%

Protecting merchant risk

Merchant Credit Risk Insurance

Exposure Covered

$1m USD

$1m USD

Protecting merchant risk

Merchant Credit Risk Insurance

Collateral Required

$0

$0

Request a demo

Complex assessments, simple dashboard

What makes Envisso so powerful

Onboard  merchants faster

Automated risk assessment;  no collateral negotiations.

Free up  working capital

No collateral or delayed settlements required from merchants or partners.

Lower costs to merchants

Insurance costs merchants and partners less than the funding cost of collateral.

Better risk acquirer protection

Understand merchant and partner risk better, with stronger protection than collateral.

Trusted by global companies

Large global   payments company

Envisso provided automated merchant credit and fraud monitoring across a portfolio of payment facilitators in APAC, helping to identify risk issues related to sub-merchant activity. This enabled proactive risk mitigation measures to be taken and to ensure scheme compliance.

Product Roadmap

Our development journey to transform merchant risk management

March 2025 Update

Recently Released

Holistic Merchant Risk Assessment

Comprehensive merchant risk profiles and automated scoring systems using Envisso AI.

Completed

Merchant Analytics

Data driven insights for a comprehensive assessment of merchant risk.

Completed

Envisso Fraud / Compliance Risk Scoring

Comprehensive scoring system for merchant fraud risk and compliance, to compliment existing credit risk scoring.

Completed

Coming Soon

Website Risk Assessment

Thorough assessment of merchant websites using Envisso AI to remove the need for manual review of website information, content & traffic.

In Progress

Consumer Sentiment Analysis

Detailed information from a merchant's Google Review & TrustPilot data using AI to extract risk assessment information about the merchants behaviour.

In Progress

Case Management & Alerts

Detailed case management functionality for efficient alerts. Enhanced alert & case auditing. New alert analytics capabilities.

In Progress

Policy Compliance Assessment

Envisso's AI provides an overview of a merchant's T&Cs, refund policy, delivery policy & privacy commitments to provide a holistic view into the merchants policy compliance.

In Progress

Explore New Merchant

Enable a search for merchants not currently in your portfolio and do a thorough risk assessment prior to onboarding them.

Planned

Data Quality Score

Ensuring high quality data in your system guarantees better quality merchant assessment for growth & risk teams alike. Envisso's data quality provides you the entire picture of quality in your system.

Planned

Anti Money Laundering

Machine learning & AI generated anomaly detection for sophisticated money laundering activities. Detect risky behaviour faster & in an automated manner.

Planned

Don’t risk growth. Contact us.

Email our dedicated sales team to arrange a product demo. We look forward to sharing it with you.