Annual reviews
A merchant that turned bad in March is caught at the year-end review.
Fraud · Acquiring
Merchant Monitoring
Watch every merchant in your portfolio for fraud, transaction laundering and prohibited activity, so a merchant that turns bad is caught before the losses reach you.
Portfolio
Every merchant monitored
Real-time
Chargeback and volume signals
Laundering
Transaction laundering detection
Exposure
Value at risk per merchant
Why this matters
The risk in acquiring is the merchant that changes
A merchant onboarded clean can drift into fraud, sell what it said it would not, or launder another business’s transactions through its account. Reviewing merchants annually misses the change that happens in a week. Complead monitors the whole portfolio continuously and flags the merchant whose behaviour no longer matches what it claimed.
No laundering detection
One business’s transactions run through another’s account, unseen.
Losses reach the acquirer
Chargebacks and fines land before anyone flagged the merchant.
How it works
Scroll to advance
Four steps, from a portfolio to a flagged merchant
-
Step 01
Ingest the portfolio
Merchant profiles and their transaction flows stream into monitoring.
-
Step 02
Watch the behaviour
Chargeback rates, volume shifts, MCC mismatch and settlement patterns are scored.
-
Step 03
Detect laundering and drift
Patterns of transaction laundering and category drift raise a flag with the exposure attached.
-
Step 04
Act on the merchant
Hold settlement, open a case or trigger review, with the decision recorded.
complead / ingest
- merchants4,120
- flowslive
- M-2291electronics
complead / watch
- M-2291 chargeback4x
- MCCmismatch
- offshoresettlement
complead / detect
- transaction launderingsuspected
- exposure₺1.2M
- HIGH
complead / act
- settlementheld
- caseopened
- reviewscheduled
Ingest
Watch
Detect
Act
Capabilities
What the product actually does
Portfolio monitoring
Every merchant watched continuously, not at review time.
Chargeback and volume signals
Spikes and shifts scored in real time.
Transaction laundering detection
One business run through another’s account flagged.
Category drift
Selling outside the declared MCC surfaced.
Exposure view
Value at risk per merchant on the alert.
Settlement action
Hold or release settlement with a reason.
Product tour
Three screens your team lives in
The whole book, scored
Every merchant with a live risk score, high-risk ones surfaced with their signals.
- Portfolio-wide risk scores
- Signals on the row
- Exposure per merchant
complead / portfolio
- M-2291 HIGH₺1.2M
- M-1180MED
- M-0904LOW
Why this merchant is flagged
Chargeback trend, volume, MCC and settlement signals behind the score.
- Signal breakdown
- Exposure and trend
- Settlement status
complead / merchant-detail
- chargeback4x
- MCCmismatch
- offshoresettlement
- launderingsuspected
What was done, and by whom
Settlement holds, cases and reviews taken on merchants, recorded.
- Action log per merchant
- Reason code on each
- Outcome captured
complead / actions
- M-2291 settlement held14:20
- caseopened
- reviewscheduled
Integration
Stream merchant flows in, get risk out
Send merchant profiles and transaction flows, and receive merchant risk alerts as events.
// send merchant transaction flow
POST /v1/merchants/flows "merchant_id": "M-2291", "volume_24h": 1200000, "chargeback_rate": 0.
041 200 OK · scored · HIGH
// receive merchant risk alerts
PUT /v1/merchants/webhooks "events": ["merchant.flagged","settlement.hold"], "url": "https://you.example/merchant-alert"
FAQ
Before you ask us
What is transaction laundering, and can you detect it?
It is running one business’s transactions through another merchant’s account. Complead flags the patterns that indicate it: mismatched category, counterparties and volume shape.
Is the whole portfolio monitored?
Yes, continuously, not only at review time.
Do alerts show the exposure?
Yes. The value at risk per merchant is on the alert, so severity is clear.
Can we hold settlement from here?
Yes, with a reason code recorded for audit.
What signals drive a flag?
Chargeback trend, volume shifts, category drift and settlement patterns.
Where is our data stored?
You choose the region: EU, UK or Türkiye.
Testimonials
All case studies
What compliance teams say
Complead provides ultimate control via its case management and safelist systems. Automated API operations significantly reduced my team's manual workload.
Using the API we run AML controls automatically and stay compliant, while reducing our team's daily workload.
With Complead we offer fast, easy, secure onboarding. We focus on real risks, not false positives.
Monitor your own merchant book
Bring a sample of merchant flows. In 30 minutes you will see them scored, with laundering and drift flagged and exposure attached.
3,000+
Data sources checked
220+
Countries covered
15 min
Always real-time data