Stands for the Business Risk Assessment and Mitigation program, a mandatory compliance framework created by Mastercard. Designed to aggressively prevent the processing of illegal goods, counterfeit products, and brand-damaging content. Imposes severe, escalating financial penalties on acquirers who fail to detect and shut down prohibited merchant activity.
BRAM / VIRP Checks
Automate your compliance defense. Stop scheme fines.
Automate scanning of your merchant portfolio for brand misuse, illegal activity, and scheme rule violations. Replace manual checks with automated, scheme-approved MMSP that accurately detects prohibited content on main domains and hidden redirects.
Trusted by leading acquirers & PSPs around the world
Understanding Card Scheme Mandates
Mastercard and Visa enforce strict regulatory programs to protect the payment ecosystem from illegal activity. Failing to comply leads directly to massive fines and the risk of losing your acquiring license.
Stands for the Visa Integrity Risk Program, Visa’s global framework for maintaining trust and network protection. Targets illegal transactions, high-risk merchant categories, and heavily regulated but non-compliant industries. Requires continuous portfolio oversight, penalizing acquiring banks heavily for allowing systemic compliance failures to slip through.
PAIN POINTS
Why teams need to automate BRAM/VIRP checks?
Manual content reviews leave blind spots. BRAM/VIRP Checks closes them at scale.
01
Automate continuous content monitoring
Relying on periodic manual checks means violations go undetected for months. This unassessed window exposes your acquiring margins to devastating scheme penalties.
02
Expose hidden redirect domains
Bad actors hide prohibited goods and illegal content behind complex redirect URLs. Standard surface-level checks structurally fail to detect these evasion tactics.
03
Stay ahead of evolving scheme regulations
Keeping up with constantly changing Visa VIRP and Mastercard BRAM prohibited category lists is operationally impossible for manual risk teams.
SOLUTIONS
How BRAM/VIRP Checks solves these problems?
Maps directly to card scheme rules to flag illicit content before auditors do.
Automated Content Classification
Scan main domains and redirected URLs continuously for adult content, counterfeit goods, drugs, and gambling. Achieve up to 92% precision in flagging illegal or restricted content across your portfolio. Map keywords and content directly to Visa VIRP and Mastercard BRAM prohibited categories.
Proactive Remediation & Evidence
Reduce scheme-reported violations and penalty fines by 60–80% through early, automated detection. Generate real-time evidence logs and timestamped screenshots to support immediate merchant termination. Maintain strict audit preparedness with a defense officially certified as a Mastercard MMSP.
Seamless Policy Updates
Track changes in global scheme rules and regional regulations with built-in, automated policy updates. Trigger instant alerts for merchant review to streamline your internal case management. Integrate BRAM/VIRP scanning seamlessly into your existing onboarding and live monitoring workflows.
WHO IT’S FOR?
WHO IT’S FOR?
One tool helps multiple teams achieve their goals. Connect your departments with a single, shared platform.
Compliance
Meet strict Mastercard, Visa, and local content law requirements without scaling your headcount.
Risk & Fraud
Gain early visibility into merchants using misleading tactics or pivoting to prohibited goods.
Merchant Ops
Proactively identify high-risk categories automatically during both onboarding and ongoing processing.
Legal & Regulatory
Maintain definitive audit trails and drastically reduce your corporate exposure to scheme penalties.
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