# LegitScript: Making the Internet and Payment Ecosystems Safer and More Transparent

> LegitScript certification and monitoring solutions help businesses secure transactions, build trust and improve compliance online\.

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## Pages
- [Enterprise Healthcare Certification](https://www.legitscript.com/certification/enterprise-healthcare-certification/)
- [Platform Risk Solutions](https://www.legitscript.com/solutions/platform-risk-solutions/): Get expert\-backed ad monitoring and marketplace monitoring to uncover violations and enable confident policy enforcement across jurisdictions\.
- [LegitScript Home](https://www.legitscript.com/): LegitScript’s AI\-powered merchant and market intelligence platform and regulatory experts keep the commercial internet and payment ecosystems safer\. 
- [Merchant Monitoring](https://www.legitscript.com/solutions/merchant-risk-solutions/merchant-monitoring/): We combine AI technology, big data, investigative analysts, and regulatory experts to grow your business with confidence\.
- [Addiction Treatment Certification](https://www.legitscript.com/certification/addiction-treatment-certification/): Getting your Addiction Treatment Certification builds trust with your prospective patients by letting them know you operate safely and transparently\.
- [Merchant Risk Solutions](https://www.legitscript.com/solutions/merchant-risk-solutions/): We combine AI technology, big data, investigative analysts, and regulatory experts to grow your business with confidence\.
- [Partners](https://www.legitscript.com/about/partners/): Join us in our mission to help make the internet and payments ecosystem safer and more transparent\.
- [About Us](https://www.legitscript.com/about/): LegitScript makes the internet and payment ecosystems safer and more transparent — now and for future generations\. Learn more\.
- [Blog Articles](https://www.legitscript.com/resources/blog/): Get all the latest industry news and updates on high\-risk activity and trends from LegitScript's blog\.
- [Resource Center](https://www.legitscript.com/solutions/merchant-risk-solutions/resource-center/): This risk and compliance resource center offers valuable insight into the types of risk payment service providers face\.
- [Features](https://www.legitscript.com/solutions/platform-risk-solutions/marketplace-monitoring/features/): Monitor your most complicated product verticals across jurisdictions, at scale\. 
- [Videos](https://www.legitscript.com/resources/videos/): LegitScript provides exclusive video content on high\-risk products, developed by our in\-house experts\. View now\.
- [Webinars](https://www.legitscript.com/resources/webinars/): LegitScript's thought leadership stems, in part, from innovative webinars\. Watch on\-demand now or register today\. 

## Posts
- [How AI Is Reshaping Merchant Underwriting, For Better and For Worse](https://www.legitscript.com/fraud-risk-and-prevention/how-ai-is-reshaping-merchant-underwriting-for-better-and-for-worse/): Merchant underwriting used to follow a checklist process, but AI has turned that approach on its head, forcing underwriting teams to think differently\. Learn more about how payments companies are rethinking their approaches to stopping merchant fraud in an era where technology is rapidly changing\.
- [Risk and Compliance Solutions — What You Need to Know](https://www.legitscript.com/regulatory-and-card-brand-compliance/risk-and-compliance-solution/): As the payments landscape evolves toward faster and more seamless onboarding, businesses are faced with an increasing need to integrate better risk and compliance solutions throughout the lifecycle of their merchants\. In this post, we explore what risk and compliance solutions are, and delve into the benefits of LegitScript Merchant Monitoring\.
- [4 High\-Growth Industries That Can Help You Build Revenue](https://www.legitscript.com/fraud-risk-and-prevention/help-build-revenue/): The payments space is competitive, with new payment facilitators and ISOs entering the fray every year\. Rather than merely capturing new merchants or peeling ones away from competitors, many payments companies are looking at new markets to help build revenue in ways that are conscientious and compliant\. Keep reading to learn about rapidly growing industries to consider\.
- [Know Your Customer With These 3 Steps](https://www.legitscript.com/fraud-risk-and-prevention/know-your-customer/): Know Your Customer \(KYC\) checks are a crucial part of the underwriting process and help weed out problematic applicants before they’re approved for a merchant account\. These required checks involve the verification of information such as an applicant’s identity, financial activities, and the risk they pose\. Keep reading to understand the three common elements involved in a KYC check\.
- [Merchant Underwriting vs\. Merchant Monitoring](https://www.legitscript.com/fraud-risk-and-prevention/underwriting-vs-monitoring/): Merchant underwriting and merchant monitoring are important solutions for addressing and mitigating risk throughout the lifecycle of a merchant account, but they are not the same\. Read more to learn the difference between merchant underwriting vs\. merchant monitoring, understand the benefits and drawbacks of both, and see how they complement each other\. 

## Events
- [APP Midwest Regional Roadshow](https://www.legitscript.com/events/app-midwest-regional-2026/)
- [Marketplace Risk Global Summit](https://www.legitscript.com/events/marketplace-risk-global-summit-2026/)
- [Behavioral Health Tech 2026](https://www.legitscript.com/events/behavioral-health-tech-2026/)
- [APP Webinar: “Gambling: Prediction Markets \& Sweepstakes Casinos”](https://www.legitscript.com/events/app-webinar-gambling-prediction-markets-sweepstakes-casinos/)
- [APP Southwest Regional Roadshow](https://www.legitscript.com/events/app-southwest-regional-roadshow/)

## Guides
- [Inside the FakeID Network: From Isolated Signal to Coordinated Disruption](https://www.legitscript.com/dl/inside-the-fakeid-network-from-isolated-signal-to-coordinated-disruption/): 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\.
- [EU and UK Product Safety Alert Intelligence](https://www.legitscript.com/dl/eu-and-uk-product-safety-alert-intelligence/): This report, compiled by LegitScript, looks at product safety alert intelligence in the first half of 2026 for the European Union and the United Kingdom, which have some of the strictest and most aggressive product safety measures\. These regions often set trends for product safety policy globally and therefore offer insight into potential trends globally\. Get it now\.
- [The Top 10 High\-risk Trends in Payment Processing and E\-commerce](https://www.legitscript.com/dl/the-top-10-high-risk-trends-in-payment-processing-and-e-commerce/): In this updated guide, LegitScript shares new high\-risk trends that companies should be aware of to avoid fines and brand damage\.
- [Navigating the ENDS Market Report](https://www.legitscript.com/dl/navigating-the-ends-market-report/): 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\.
- [High\-risk Products Handbook](https://www.legitscript.com/dl/high-risk-products-handbook/): A practical reference for the violative products and categories LegitScript encounters most often in its work: what to look for, why it matters, and how to act on what you find\.

## Press
- [Digital Transactions: The Real Fraud Deadline](https://www.legitscript.com/about/press/digital-transactions-the-read-fraud-deadline/): 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\.
- [American Banker: Payment Processors Targeted in Florida Gambling Lawsuit](https://www.legitscript.com/about/press/american-banker-payment-processors-targeted-in-florida-gambling-lawsuit/): 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\.
- [The Green Sheet: Merchant Risk Has Outgrown Static Underwriting](https://www.legitscript.com/about/press/the-green-sheet-merchant-risk-has-outgrown-static-underwriting/): 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\.
- [Legal Reader: Gray\-Area Risk Is Becoming the New Compliance Test](https://www.legitscript.com/about/press/legal-reader-gray-area-risk-is-becoming-the-new-compliance-test/): 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\.
- [Finextra: Point\-in\-Time Trust Has an Expiration Date](https://www.legitscript.com/about/press/finextra-point-in-time-trust-has-an-expiration-date/): 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\.

## Videos
- [LegitScript Analysts: Meet the Humans Behind Our Human\-in\-the\-Loop Technology](https://www.legitscript.com/solutions/merchant-risk-solutions/merchant-monitoring/analysts/): LegitScript's Merchant Risk Solutions combine advanced technology with human expertise\. Our analysts don’t just review data — they connect dots, uncover hidden risks, and enhance our automated systems\. This human\-in\-the\-loop approach delivers fast, accurate risk detection and deeper insight\. Meet the experts bringing human intelligence to an increasingly automated world\.
- [Merchant Monitoring Explained](https://www.legitscript.com/videos/merchant-monitoring-explained/): As a payments company, you're good at vetting merchants before you let them into your portfolio\. But what happens once they're inside? That's where LegitScript comes in\. We can help you expand into new geographies, explore new high risk verticals, and grow your business with confidence\. Watch the video to learn more\.
- [Marketplace Monitoring Explained](https://www.legitscript.com/videos/marketplace-monitoring-explained/): As an e\-commerce marketplace, you work with thousands of sellers and millions of listings\. It's a lot to keep track of\. LegitScript's Marketplace Monitoring helps you provide a safe customer experience while growing your business\. Learn how our solution works and what makes it unique\.
- [Ad Monitoring Explained](https://www.legitscript.com/videos/ad-monitoring-explained/): People visit your platform because they value and trust the content they interact with\. That includes the ads they see\. But with millions of ads circulating on your platform, how do you provide a safe experience while growing your business?
- [Merchant Onboarding and Merchant Monitoring Explained](https://www.legitscript.com/videos/merchant-onboarding-merchant-monitoring-explained/): As a payment facilitator, ISO, or acquiring bank, you want to make sure your merchants are vetted before entering your ecosystem, but you also want to make sure they stay compliant once they're inside\. How do you do both? That's where LegitScript comes in\. 

## Webinars
- [ENDS Regulatory Updates: What Payments and Platforms Need to Know About Changes to Vaping Laws](https://www.legitscript.com/webinars/ends-regulatory-updates-what-payments-and-platforms-need-to-know-about-changes-to-vaping-laws/): 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\.
- [Online Prediction Markets and Sweepstakes Casinos](https://www.legitscript.com/webinars/online-prediction-markets-and-sweepstakes-casinos/): When you think of gambling, you might think of buying a lottery ticket or making a sports bet\. But what about prediction markets and sweepstakes casinos? In this webinar, we'll discuss the popular yet legally contentious state of online prediction markets and sweepstakes casinos and discuss their evolving risks\.
- [Fraud, Compliance, and the New Rules of Risk in Brazil and Latin America](https://www.legitscript.com/webinars/fraud-compliance-and-the-new-rules-of-risk-in-brazil-and-latin-america/): Brazil and Latin America are not just grappling with fraud — they are at the epicenter of a global stress test exacerbated by AI\-powered schemes that make merchants and sellers harder than ever to trust\. In this webinar, we discuss the risks and regulatory challenges facing companies engaged in digital transactions in Brazil and LATAM\. Sign up now\.
- [Connecting the Dots: How Investigation Teams Build Networks and Disrupt Criminal Ecosystems](https://www.legitscript.com/webinars/marketplace-risk-connecting-the-dots-how-investigation-teams-build-networks/): This session from the 2026 San Francisco Marketplace Risk Management Conference features a panel discussion on how investigation teams build network intelligence to disrupt criminal ecosystems\. The speakers, including representatives from TikTok and LegitScript, explore the complexities of identifying coordinated bad actors\.
- [Trust and Safety Isn't a Cost Center: It's a Growth Engine](https://www.legitscript.com/webinars/marketplace-risk-trust-and-safety-isnt-a-cost-center-its-a-growth-engine/): This session from the 2026 San Francisco Marketplace Risk Management Conference covers the role of trust and safety teams as a "growth engine" and how professionals in this field can navigate internal challenges and perceptions\. Watch now on demand\.

## ブログ記事
- [予測市場：金融とギャンブルのリスクが生み出す新時代](https://www.legitscript.com/jp-merchant-monitoring/jp-blog-articles/prediction-markets-the-new-frontier-of-financial-and-gambling-risk/): 現在、金融セクターで大きな注目を集めているのが「予測市場」と呼ばれる新たなプラットフォームです。ユーザーが現実世界の出来事の結果に資金を投じる仕組み自体は15世紀の選挙にまで遡りますが、近年その普及は爆発的に加速しています。モバイル技術の進歩によって一般層が手軽に利用できるようになった一方で、この急速な拡大には重大な規制リスクも伴っています。レジットスクリプトは、こうした新興プラットフォームが生み出す複雑な金融・ギャンブルのコンプライアンス課題から、貴社の加盟店ポートフォリオを確実に守る体制を整えています。
- [たばこリスクから決済処理業者を守る：レジットスクリプトの新たな報告基準](https://www.legitscript.com/jp-merchant-monitoring/jp-blog-articles/how-legitscript-protects-payment-processors-from-tobacco-risk/): 米国食品医薬品局（FDA）によると、たばこの使用は米国において予防可能な疾病及び死亡の最大の要因となっています。量や種類にかかわらず、安全に使用できるたばこは存在せず、未成年者にとってはとりわけ深刻です。米国では、21歳未満によるたばこ製品の購入は禁止されています。しかしながら、米国薬物乱用・精神衛生管理庁（SAMHSA）のデータに基づきFDAが公表している統計によれば、毎日約1,500人の若者が初めて紙巻たばこを試し、そのうち約200人が日常的な喫煙者になるとされています。
- [クラトム業界に潜む死の罠：新成分『7\-OH\-ミトラギニン』の恐るべき実態](https://www.legitscript.com/jp-merchant-monitoring/jp-blog-articles/7-oh-mitragynine-a-dangerous-new-trend-in-the-kratom-industry/): 従来よりも遥かに強力な「高力価（ハイポテンシー）クラトム誘導体」という新たなカテゴリーが、eコマースを通じて急速に勢力を拡大しています。なかでも7\-ヒドロキシミトラギニン（7\-OH\-ミトラギニン）は、この危険な市場変化の主因となっています。濃縮錠剤や舌下シートとして販売されるこれらの製品は、その多くが規制の枠外にあり、従来のクラトムとは性質もリスクも一線を画す存在です。 そのため、消費者への深刻な健康被害のみならず、決済エコシステム全体に対しても重大なリスクをもたらしています。決済処理業者​​にとって、7\-ヒドロキシミトラギニンの台頭は単なる公衆衛生上の懸念に留まりません。それはカードブランドの規約違反や規制当局による監視を招くだけでなく、企業の評判を毀損する直接的な要因となり得ます。ハイリスク加盟店のポートフォリオを管理する金融機関にとって、この化合物の具体的な危険性と、刻々と変化する法的地位を正しく把握することは、今や不可欠な責務といえるでしょう。
- [ホワイトラベル抗寄生虫薬の台頭](https://www.legitscript.com/jp-merchant-monitoring/jp-blog-articles/ivermectin-and-fenbendazole-the-rise-of-white-label-antiparasitics/): 昨今、eコマースにおいて2つの医薬品成分が不適切な形で注目を集めています。イベルメクチンとフェンベンダゾールです。これらの駆虫薬（抗寄生虫薬）成分は、ヒトや動物の医療において正当な用途を持っている一方で、本来の目的から外れた適用外使用（オフラベル使用）や、未承認の製品が急増しており、消費者への健康を脅かすだけでなく、カードブランドにとってもリスク管理上の大きな懸念事項となっています。本記事では、これらの成分にスポットを当て、レジットスクリプトが加盟店ポートフォリオで確認している、極めて悪質なホワイトラベル製品や「研究用限定（RUO）」製品の実態について深く掘り下げます。
- [VIRPアップデート: アダルト、エスコート、および出会い系サービス](https://www.legitscript.com/jp-merchant-monitoring/jp-blog-articles/adult-escort-and-dating-merchants-are-your-practices-in-line-with-virp-updates/): 決済リスクを取り巻く環境が高度化・複雑化する中で、アクワイアラ、決済ファシリテーター、ならびに加盟店に適用されるルールも継続的に見直されています。こうした流れを受け、VisaはVisaインテグリティ・リスク・プログラム \(VIRP\) における基準を更新しました。この更新にはアダルトコンテンツ、出会い系サービス、およびエスコートサービスが対象分野に含まれます。今回のアップデートにより、加盟店の分類、透明性、およびコンプライアンス（法令遵守）に対する要求水準が引き上げられました。これに伴い、Visaはアダルト関連の加盟店、および出会い系やエスコートサービスを提供する事業者に関するガイドラインを最新の内容へと改定しています。 

## Categories
- [High Risk and Problematic Products](https://www.legitscript.com/category/high-risk-and-problematic-products/)
- [Fraud Risk and Prevention](https://www.legitscript.com/category/fraud-risk-and-prevention/)
- [Regulatory and Card Network Compliance](https://www.legitscript.com/category/regulatory-and-card-brand-compliance/)
- [Certification for Healthcare](https://www.legitscript.com/category/healthcare/)
- [LegitScript News](https://www.legitscript.com/category/legitscript-news/)

## Optional
- [Sitemap index](https://www.legitscript.com/sitemap_index.xml)