Merchant Risk Solutions
Confidently assess merchant risk of every type, including transaction laundering, to better avoid fines and expand growth opportunities.
Shopify
North American Bankcard
Avidia Bank
Flutterwave
Stax
Chesapeake Bank
West America Bank
Maverick
LegitScript Is the Trusted Leader in Data Accuracy, Risk Mitigation, and Transaction Laundering Detection
LegitScript Merchant Onboarding helps you quickly vet prospective merchants before they enter your ecosystem, while LegitScript Merchant Monitoring helps you rapidly and confidently action existing merchants with accurate and detailed analysis of website content risk.
Minimize Risk Exposure
Reduce the risks associated with acquiring merchants in low-, medium-, and high-risk verticals in territories across the globe and in multiple languages.
Action With Confidence
Get accurate and detailed merchant analysis from LegitScript investigative analysts and regulatory experts to quickly action merchants and minimize your risk exposure.
Grow Your Business
Identify growth opportunities with support from our policy experts who track regulations and the most extensive data set of merchant activity across the commercial internet.
See Xray in Action
Confidently track your merchant portolio’s risk with rapid intel from Xray.
Key features include:
Merchant, website, and product-level risk insights in seconds.
Labeling designed to enable efficient review prioritization and decisioning.
Automated violation screenshots and extracted product details so you don’t miss a beat.
What Makes LegitScript Different?
We help acquirers, payment facilitators, and ISOs maintain a comprehensive view of risk throughout a merchant's life cycle so they can stay compliant in high-risk environments and grow their business.
Vast Monitoring Capabilities
LegitScript has risk detection expertise in more than 60 high-risk areas, including pharmaceuticals, negative-option billing, drop-shipping, IP infringement, hate/harm content, and many more. Our team tailors our monitoring based on your policies and needs.
Expert Transaction Laundering Detection
LegitScript uses decades of historical merchant data combined with investigative experts to research suspicious activity and confirm fraud so that you don’t have to. And, we include our Transaction Laundering Detection standard with our Merchant Monitoring solution.
Unparalleled Accuracy and Expertise
Some solutions run your merchant websites through software and let a computer to make inaccurate judgement calls. With LegitScript, you get the speed of automation paired with the accuracy of expert analysts who review flagged merchants for you.
A Recognized Leader in Merchant Risk Mitigation
LegitScript is a recognized Mastercard Merchant Monitoring Service Provider. Our certification and monitoring programs are recommended, recognized, or used by Visa, Mastercard, and some of the world's largest payment service providers.
Resources for You
Merchant Onboarding and Merchant Monitoring Fact Sheet
Merchant Onboarding
Fact Sheet
Merchant Monitoring
Fact Sheet
Merchant Risk Solutions
Merchant Onboarding
Get fully integrated KYB checks paired with LegitScript’s unique merchant risk assessments to accurate and quickly vet new merchants.
Merchant Monitoring
Confidently assess merchant risk of every type, including transaction laundering, to better avoid fines and expand growth opportunities.
Key Capabilities
Avoid Scrutiny and Expensive Card Brand Fines
LegitScript’s unique combination of big data, advanced technology, and human review provides the most accurate merchant content risk monitoring to quickly identify card brand violations across verticals, geographies, and languages.
Monitoring for 60+ high-risk verticals:
Pharmaceuticals and supplements
Online gambling
Cannabis and CBD
Counterfeits and illicit IP
Weapons
Adult and human trafficking
Increase Revenue by Exploring New Industries and Markets
Our experts track global regulations across high-risk verticals to help you explore new markets and revenue opportunities with confidence.
175+
Regulatory bodies
100+
Countries
60+
High-risk areas
Fact Sheet
Learn about our core features and why you should choose LegitScript.
Get Expert Guidance Tailored to Your Needs
Do you have questions or need assistance? Our team of experts are here to help. Fill out the form below, and a member of our solutions team will reach out to schedule time with you.
Discover More
Why Nicotine Pouches Are Drawing So Much Scrutiny
Understand why the FDA is cracking down on certain nicotine pouches and learn what to watch out for.
What Are Merchant Category Codes (MCCs)?
In this article, we’ll explore the role of MCCs in the larger payments ecosystem, and provide a comprehensive list of high-risk MCCs.
LegitScript Supports International Fraud Awareness Week
LegitScript joins the global effort to spread awareness surrounding the detection and prevention of fraud.
The Skinny on New Weight Loss Drugs
Counterfeits, unapproved brands, problematic ads, shady affiliates, and scams are just a few of the problems erupting from the GLP-1 market. In this webinar, we’ll explore how illicit GLP-1 sellers are infiltrating merchant portfolios and e-commerce marketplaces, and share how to stop this risk. Register now.
Transaction Laundering: Best Practices for Detection and Mitigation
To celebrate International Fraud Awareness Week (Nov. 17-23, 2024), LegitScript is happy to present a special webinar on best practices to detect transaction laundering. Register now.
AI Abuse Among the Top Payments Risks for 2025
LegitScript’s rankings of the top high-risk trends in payments and e-commerce are based on its work monitoring merchants and sellers.
The Top 10 High-risk Trends in Payment Processing and E-commerce
In this updated guide for 2025 and beyond, LegitScript shares new high-risk trends that companies engaged in online transactions should be aware of to avoid expensive assessments levied by card networks for violations. You will also see case studies of problematic merchants and find additional resources to help answer common questions about these trends and how to navigate them.
How a Third-party Merchant Risk Monitoring Solution Can Help
Explore how our solutions help extend internal teams’ bandwidth by flagging merchants in your downstream merchant portfolios.
The Top 10 High-Risk Trends to Watch Out For in 2025
The payments risk and compliance space is dynamic — it must constantly adapt to advancing technologies, changing regulations, criminal innovation, and new products. In this webinar hosted by the Association of Payment Professionals, LegitScript experts share emerging high-risk trends in payment processing based on their recent work monitoring millions of merchants.
Acquiring and Sponsor Banks, Payfacs, and ISOs All Share Similar Challenges
We delve into the defining characteristics of the parties responsible for the various types of fraud and/or merchant risk.
Banks, Payfacs, and ISOs Need to Know These Three Principles for Online Pharmacies
Counterfeit or otherwise unsafe or ineffective drugs pose innumerable risks that compound when they’re sold by illicit online pharmacies.
Navigating CBD Regulations in the US: Key Takeaways from Our Webinar
The regulatory landscape for CBD products in the United States is complex and ever-evolving. In a recent webinar hosted by LegitScript, industry experts provided a comprehensive overview of both federal and state regulations impacting CBD sellers, manufacturers, and their partners. Read the key takeaways to help you navigate this intricate legal framework, then watch the…
GLP-1 Shortage Prompts Surge of Risky Weight Loss Supplements
Despite the high demand for GLP-1 drugs, the cost of these medications is prohibitively expensive for many people. As a result, a slew of merchants are entering the market offering alternative products such as supplements and other healthcare products for weight loss, many of which pose serious health threats to consumers. Weight loss supplements are…
Navigating URL Shifts: Understanding Ownership Changes and Their Impact
URL changes are relatively common in the world of e-commerce. Motivations for such changes may be born out of a desire to adapt to organizational shifts such as mergers or rebranding, take advantage of registrar incentives, or sell the domain to an interested party. While the process is often relatively straightforward and involves transferring domain…
Internet Pharmacy Guide For Payments
Understand the rules around the sale of pharmaceuticals online in the US and around the world, then develop policies and procedures to stay compliant.
Merchant Onboarding and 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.
What You Need to Know About Medical Spa Risks and Regulations
Understanding evolving medical spa regulations and requirements is essential for advertisers, business owners, and payment processors.
Key Takeaways: The Challenges of Detecting IP Infringement Online
In a recent webinar hosted by LegitScript, Peter Szyszko, CEO of White Bullet, delved into the pressing issue of online IP infringement and how to stop it.
Common Underwriting Pitfalls Fintechs Should Know About
In this webinar, learn about best practices for onboarding merchants to help you avoid card network scrutiny. Then see how LegitScript’s new onboarding tools can help. Register now.
What You Need to Know About the Different Levels of Merchant Risk
Being aware of all three levels of risk and which bucket your merchant falls into is a critical step in quantifying risk.