Website compliance scanning is the automated process of deploying digital crawlers and artificial intelligence to evaluate a merchant's e-commerce website for regulatory and card network violations. It is a mandatory step in both the initial underwriting phase and the continuous post-approval monitoring phase.
What Are the Scanners Looking For?
Acquiring banks use these scans to ensure the merchant is not selling prohibited or restricted items that violate Mastercard BRAM or Visa GARS rules. This includes scanning product catalogs, images, and hidden metadata for illegal pharmaceuticals, unlicensed gambling, counterfeit goods, or unauthorized adult content.
Deep Content Vector Analysis with Onlayer
Simple keyword scanners are easily bypassed by fraudsters. Onlayer maps the merchant's operational behavior across the entire web using deep content vector analysis. It flags severe impersonation risks, cloned listings, and unauthorized brand usage instantly. When a violation is found, Onlayer automatically exports timestamped screenshots to strengthen your audit-ready due diligence.
