New case study: See how Zift accelerated reviews and caught risk sooner
Reminders & Document Comparison

AI Platform for Merchant Risk

Onboard good merchants instantly, stop fraud before money moves, and monitor your merchant portfolio at scale.

Everything you need to manage merchant risk

Complete risk infrastructure for faster approvals, lower fraud, and portfolio monitoring at scale.
Analyze

Merchant Intelligence

Centralize every relevant merchant insight, combining external signals, fraud scoring, and your own history so you can underwrite and reassess risk with confidence.

Analyze

Risk Platform

Build and run the workflows that power merchant undewriting, monitoring, and investigations in one place.

Analyze

Transaction Monitoring

Monitor card and ACH payments in real time using merchant and transaction signals, not just payer data, to stop fraud before money moves.

Analyze

AI Assistants

AI assistants that research merchants, explain patterns in your data, and summarize cases so analysts can decide in minutes, not hours.

Analyze

AI Agents

AI agents that run your risk playbooks by decisioning alerts, pausing payouts, and resolving routine cases with full audit trails for every actions.

Merchant Intelligence
Aggregate

Merchant Intelligence

Structured data, proprietary models, and monitoring signals that help you underwrite and reassess merchant risk with confidence.

Transaction Monitoring
Decision

Transaction Monitoring

Analyze real-time payment activity to detect anomalies, fraud, or noncompliance — and act before money moves.

Risk Platform
Act

Risk Platform

Design rules, route alerts, and resolve them — all in one system that connects seamlessly with your payment tools, CRMs, support platforms, and more.

AI Agents – Assistants
Analyze

AI Agents – Assistants

Use AI to research merchants, summarize risk, or analyze performance through natural language.

AI Agents – Operators
Analyze

AI Agents – Operators

Configure agents to take action for you — decisioning alerts, pausing payouts, and resolving issues end-to-end.

From our customers

Proven results

80%

Reduction in manual reviews

5x

ROI in year 1

$50B+

Transaction volume monitored

1.5M+

Merchants monitored

Streamline risk at every step

Approve good merchants instantly

Use AI-driven decisioning to auto-approve low-risk merchants, route edge cases to your team, and grow faster without increasing fraud.

Stop fraud before it turns into losses

Detect fraud at every layer, both merchant and transaction fraud, then block risky activity before money moves.

Stay ahead of portfolio risk without drowning in noise

Continously monitor your portfolio and surface only the accounts that matter so your team spends time on real risk, not false positives.

Scale risk operations 10x more efficiently

Run your risk playbooks in one platform, with AI agents handling routine alerts and cases, so analysts move from days-long investigations to decisions in minutes.