Add Mastercard-certified confidence to your monitoring program.
Scale your scheme-aligned monitoring with an MMSP-certified provider for e-commerce, marketplace, physical POS, pay-by-link, social media, and alternative models. Reduce exposure with continuous monitoring and actionable findings.
What does Mastercard MMSP mean?
An MMSP (Merchant Monitoring Service Provider) is a third-party vendor officially certified by major card networks to monitor merchant portfolios.
Why MMSP certification matters?
Scheme expectations are strict. Mastercard expects ongoing monitoring across your portfolio.
Scheme uncertainty
Teams often struggle to translate card-scheme expectations into an operational monitoring program. The result is inconsistent coverage and unclear accountability.
Laundering exposure
Without strong transaction laundering detection, proxy merchants and hidden payment behaviors can slip into the portfolio and remain undetected.
Audit readiness
Even when issues are found, many organizations lack clear, evidence-ready outputs to support investigations and remediation, leaving them exposed to severe scheme fines during audits.
PAIN POINTS
Why do you need to adopt continuous monitoring?
The compliance gaps exposing your business. Missing network violations creates severe risks.
Prevent heavy scheme fines
Missing illegal content or BRAM violations leads directly to massive financial penalties from major card networks. These fines drain your margins and hurt your reputation.
Expose hidden transaction laundering
Bad actors use legitimate merchant accounts to process illegal sales. Catching these hidden networks without certified tools is nearly impossible.
Eliminate manual compliance gaps
Trying to monitor an entire merchant portfolio manually leaves huge blind spots. This exposes your core acquiring license to unacceptable regulatory risk.
SOLUTIONS
How our MMSP certification protects you
Replace risky manual checks with an officially recognized, Mastercard-certified portfolio defense.
Stop BRAM violations
Find brand misuse, fake goods, and banned content across your entire merchant portfolio. Receive instant alerts when merchants shift to high-risk MCCs, catching scheme violations early before card networks issue heavy fines. Build clear, timestamped evidence logs to easily prove your compliance during network audits.
Expose transaction laundering
Spot illegal payment routing and proxy setups hidden behind approved merchant accounts. Map technical footprints to identify bad actors bypassing your internal risk rules clearly. Keep your active merchant base clean and protect your margins from severe chargebacks.
Meet strict network rules
Rely on an officially certified partner that major card networks actively trust and recommend. Align your internal risk policies directly with global Mastercard and Visa mandates. Keep your acquiring license completely safe from suspension or forced termination.
Automate continuous checks
Move from slow, periodic reviews to 24/7 automated checks across all merchant websites. Cut your team's manual compliance workload while safely covering 100% of your active portfolio. Receive alerts for high-risk changes to stop bad activity before it scales.
WHO IT’S FOR?
One tool helps multiple teams achieve their goals. Connect your departments with a single, shared platform.
Compliance
Strengthen Mastercard-aligned monitoring expectations and reduce brand-risk exposure.
Risk & Fraud
Improve early detection of laundering and merchant-related fraud signals
Operations
Streamline follow-up by using consistent, evidence-ready outputs.
Acquiring
Increase confidence in portfolio oversight as merchant volume and channel diversity grows
Ready to take control of merchant risk?
See how Onlayer fits your workflow in a short demo.