Protecting and Growing the World’s Digital Economy

Even the best controls aren’t perfect. As evasion tactics evolve faster than controls can adapt, platforms must start asking more questions about the violative behavior they aren’t seeing and how they can better address a confluence of challenges to stay ahead of what’s next. Read more.

Merchants and payments providers can’t wait until fall to lock down fraud defenses for the holiday rush. In this article in Digital Transactions, LegitScript’s Dan Frechtling helps explain how retailers need summer to retrain fraud models, test new rules, and catch gaps before Black Friday hits. Read the full story.

One bad account is rarely just one bad account. Pull the thread and a single bad actor can unravel an entire criminal network interwoven throughout the internet. Here’s how investigation teams track the signals, differentiate between different kinds of networks, and turn scattered clues into enforcement that sticks.

In American Banker, LegitScript’s Andy Bayley talks about a recent case that could pull banks and card networks into the same legal exposure hitting prediction markets like Kalshi and Polymarket.

Merchant risk doesn’t stop at onboarding. LegitScript’s Dan Frechtling explains why static underwriting misses post-approval drift, and how agentic AI, fed with merchant-specific context, connects fragmented risk signals to catch problems before they escalate.

Only 45 e-cigarettes hold FDA authorization out of thousands on the market. Join LegitScript to unpack the flavor ban reversal, PMTA process, and PACT Act rules shaping ENDS compliance for payments companies and platforms.

Risk decisions that looked straightforward six months ago may not look that way today. Grey-area risk is putting more pressure on legal, compliance, trust and safety, and risk teams. In this article in Legal Reader, LegitScript’s Andy Bayley explains how organizations need a way to turn legal interpretation, risk signals, and operational judgment into decisions teams can apply in real time.

For years, the payments industry treated trust as something established once at underwriting and then relied on as the relationship scaled. Now, that approach is breaking down as technology allows bad actors to submit merchant applications at scale. In this article by LegitScript’s Dan Frechtling, learn how payments companies are combatting this problem.

What initially looked like a few isolated accounts promoting fake IDs on one of the world’s largest platforms ultimately turned out to be a massive international criminal network. Read our case study to learn how LegitScript identified the network, tracked its activity, and developed valuable intelligence to help clients quickly respond.

LegitScript has launched two new reporting updates to keep client portfolios safe from merchants offering unauthorized tobacco products and illegal sales to minors. Keep reading to learn how we are helping payment processors and online platforms navigate this high-risk landscape.

Prediction markets promise crowdsourced forecasting, but they’re pulling payment processors into a regulatory gray zone. The CFTC treats them as futures contracts. Several states call them gambling. That split leaves acquirers and ISOs exposed to compliance risk they didn’t sign up for. Keep reading to learn more about these merchants.

A group of state attorneys general just told major card networks to stop processing for illegal vape sellers. Learn what the letter is asking card networks to do, and the exact questions banks, ISOs, and PSPs need to answer before regulators come knocking.

Brazil has embraced digital payments faster than almost anywhere else in the world. That growth is a genuine success story — and it has created an entirely new risk landscape that payments companies and online platforms cannot afford to ignore. Read more.

Last week’s Recovery.com Marketing Summit brought behavioral health marketers together around SEO, AI, attribution, and more, but one theme ran under every session: Trust is still how patients choose care. Here are the takeaways that stood out, and what they mean for how you market your treatment services.

Last week, the U.S. Food and Drug Administration’s Pharmacy Compounding Advisory Committee (PCAC) met to evaluate several peptide substances and make recommendations to the FDA regarding whether they should be included on the list of bulk drug substances. Keep reading to learn what this means for peptides businesses and their partners.

There’s a new acronym roaming the C-suite. The so-called COFO — a hybrid chief operating and financial officer — is more common than ever, marking a structural shift in how companies are deciding who runs the business. In this article in Global Finance, LegitScript’s COFO Jaylene Kunze talks about the role.

The better you can document a violation and your response to it, the less exposure your business carries. Keep reading to learn more about best practices for documenting violative merchant activity and how to incorporate it into your work.

LegitScript announced an expanded partnership with Google to certify telemedicine providers in Spain. The policy update allows telemedicine businesses operating in Spain to apply for LegitScript Healthcare Certification and promote their services on Google advertising platforms.

In this episode of the SEAA Podcast, Leo Patching, founder of Kompliant (now part of LegitScript), and Tom Lineen, President of WestTown Payments, explore one of the most important shifts happening in financial services today: the evolution of AI-powered underwriting, merchant risk, and compliance. Listen now.

This report, compiled by LegitScript, examines the regulatory landscape shaping the ENDS market and what it means for the payment providers underwriting and monitoring these merchants. Download it now for valuable insight and analysis on how to compliantly manage ENDS merchants.