AI-powered Monitoring for Issuers, Aquirers, PSPs & Intermediaries
KYP provides continuous AI-powered monitoring that gives your organisation real-time visibility across your partner and merchant portfolios. Stay ahead of risks with:
Continuous monitoring across your partner ecosystems
- Real-time alerts on corporate, behavioural and website changes
- Early detection of emerging compliance risks
- Monitoring aligned with regulator expectations
Risks Don’t Stop at Onboarding
Traditional KYB checks provide only a snapshot of your merchant or partner at a single point in time. However, risks often develop after onboarding, as your partners change their structure, behaviour or public-facing activity. Without continuous monitoring, these risks can remain hidden across large merchant portfolios.
- Changes in corporate structure or ownership
- Unusual merchant transaction behaviour
- Updates to merchant websites or services
- Inconsistencies with onboarding declarations
- Emerging operational or reputational risks
Monitoring Risks Across Your Merchant Ecosystems
Payments and FinTech platforms often manage thousands of merchants and partners across multiple jurisdictions. Monitoring these ecosystems manually is complex and resource-intensive. KYP automates monitoring across your partner networks, allowing your compliance teams to detect issues earlier and maintain stronger oversight. Monitor risks such as:
- Portfolio-wide operational risk signals
- Merchant website or content updates
- Abnormal transaction behaviour
- Director or ownership changes
Meeting Growing Regulatory Expectations
Regulators increasingly expect organisations to maintain ongoing oversight across business relationships, not just at onboarding.
KYP helps payments and fintech organisations align monitoring with key regulatory obligations.
Continuous monitoring and automated alerts helps your organisation strengthen governance and maintain regulator-aligned compliance processes.
Operators must implement controls to prevent money laundering and other illicit activity. Continuous monitoring helps identify emerging financial crime risk across your partners and affiliates.
Operators must verify partners, affiliates and suppliers before onboarding them. This includes validating business activity, ownership structures and regulatory status.
KYP Solutions
The KYP Platform
AI-powered continuous monitoring platform that enables you to maintain continuous oversight across your entire partner ecosystem.
Volumetric Monitoring
Analysing transaction behaviour across your merchant portfolios. This module identifies abnormal patterns in transaction activity, allowing your compliance teams to detect potential risks earlier.
WebCompli
Continuous monitoring of your partner and affiliate websites and online content. Partners and affiliates frequently update their websites after onboarding, which can introduce compliance or regulatory risks.
See How KYP Supports
Payments & FinTech
KYP gives your compliance teams AI-powered, always-on visibility across your merchant and partner ecosystems.
Detect risks earlier. Reduce manual monitoring. Strengthen regulatory alignment.
FAQ
Payment providers can reduce merchant risk through continuous monitoring, merchant intelligence, behavioural analysis, and real-time risk alerts. KYP helps PSPs, acquirers, and fintechs identify emerging merchant risks before they become financial or regulatory issues.
Traditional onboarding checks only provide a point-in-time view of risk. Continuous monitoring helps payment providers and fintechs identify behavioural shifts, compliance concerns, financial distress, or ownership changes as they happen.
Merchant behavioural monitoring helps identify unusual changes in merchant activity, including sudden transaction spikes, abnormal processing patterns, changes in product offerings, or shifts in business behaviour that may signal fraud or compliance concerns. KYP provides real-time behavioural monitoring across merchant portfolios.
Fintechs can monitor third-party and partner risk through continuous due diligence, automated alerts, and ongoing monitoring of suppliers, payment partners, TPPs, and merchants. KYP helps businesses gain visibility across their entire partner ecosystem.
Behavioural risk can be identified by monitoring volumetric payment behaviour, transaction anomalies, shifts in merchant activity, and emerging fraud indicators. KYP combines payment behaviour, AML, adverse media, fraud, and credit signals to provide actionable risk intelligence.
Volumetric monitoring helps payment providers identify unusual transaction patterns, processing spikes, or changes in merchant activity that may indicate fraud, financial crime, or operational risk across merchant portfolios.
PSPs and acquirers can improve onboarding through automated due diligence, real-time monitoring, risk scoring, and continuous oversight after onboarding. KYP helps reduce manual due diligence while supporting faster and more informed onboarding decisions.
Risks can emerge after onboarding, including merchant behavioural shifts, ownership changes, website compliance breaches, adverse media, financial deterioration, and regulatory issues. Continuous monitoring helps providers identify risks earlier.
Merchant website compliance monitoring helps payment providers identify prohibited content, missing regulatory information, misleading claims, or card scheme breaches across merchant websites. KYP’s WebCompli solution provides continuous website monitoring and automated alerts.
Fintechs manage third-party compliance risk through onboarding checks, continuous monitoring, behavioural intelligence, and real-time alerts across partner networks. KYP helps reduce manual oversight while improving visibility of emerging risks.
Ongoing merchant monitoring is the continuous assessment of merchant behaviour, financial health, website compliance, and business activity after onboarding to identify emerging risks and reduce exposure to fraud or compliance breaches.
Payment firms can reduce manual due diligence through automated monitoring, risk alerts, and continuous intelligence across merchants and partners. KYP helps reduce operational time by replacing repetitive manual reviews with real-time monitoring.
Warning signs may include unusual transaction spikes, changes in processing behaviour, adverse media, website compliance breaches, ownership changes, or financial distress. Continuous monitoring helps identify risks before they escalate.
Payment providers can stay ahead of regulatory expectations through automated monitoring, real-time alerts, auditable reporting, and continuous oversight of merchants and third-party partners. KYP helps firms simplify compliance and reduce operational burden.
Periodic reviews only provide a snapshot in time, leaving businesses exposed to emerging risks between assessments. Continuous monitoring helps payment providers identify changes as they happen and take action sooner.
KYP helps payment providers and fintechs manage merchant, partner, and third-party risk through AI-powered continuous monitoring, behavioural intelligence, real-time alerts, and actionable risk insights.
KYP’s WebCompli solution continuously monitors merchant websites to identify compliance risks, prohibited content, misleading claims, and missing regulatory information before they become a regulatory issue.
KYP supports payment providers, PSPs, acquirers, fintechs, open banking providers, embedded finance firms, and regulated financial services businesses that need stronger third-party and merchant risk monitoring.
KYP combines continuous monitoring, merchant intelligence, behavioural risk detection, website compliance monitoring, and real-time alerts to provide payment providers and fintechs with a complete picture of the businesses they rely upon.
Onboarding checks are only the starting point. KYP helps fintechs move to always-on risk intelligence through continuous monitoring, proactive alerts, and real-time visibility across merchants, TPPs, suppliers, and partner ecosystems.