Solutions
You own every merchant in your portfolio, including the ones your ISOs boarded. Slyce360 gives acquirers and sponsor banks continuous, transaction-level oversight, so a rogue merchant shows up in your data before it shows up in a consent order.
The risk you carry
Underwriting a merchant means taking responsibility for its behavior, whether you know about it or not: its products, marketing, affiliates, fulfillment and customer service. That exposure falls into five areas.
Enforcement in the payments chain
Regulators, courts and card networks have held banks, processors and ISOs responsible for the merchants they enabled. In almost every case, the early warning signs were in the transaction data first.
September 2026 · FTC
Settled charges that it kept accounts open for merchants it knew or should have known were deceptive, including an offshore tech-support scheme it processed more than $30M for. The headlines followed.
September 2026 · FTC
Mastercard reviews found load balancing across thousands of subscription accounts years before the FTC cited more than 1,000 shell merchants. A federal court entered a $12M judgment and a permanent ban on high-risk processing.
June 2025 · FTC
Settled allegations that it processed for deceptive tech-support schemes using fake virus alerts to sell auto-renewing subscriptions. Paddle is permanently banned from processing for that category of merchants.
2020 · FTC
Boarded MOBE after at least seven processors declined it. Within two months MOBE ran nearly five times its approved volume with a 2.54% chargeback ratio. The judgment was suspended only because Qualpay could not pay it.
2016 · RICO class action
Settled Reyes v. Zions after plaintiffs alleged the bank processed for fraudulent telemarketers, with more than 500,000 consumer accounts debited without authorization. The case went to the Third Circuit before settling.
Summarized from public FTC actions and court filings, as covered in What are the five risk vectors for acquirers? Allegations are as described in those actions; Humboldt and Nuvei settled without admitting or denying them.
ISO oversight
Whether an ISO is wholesale or retail, the card networks and regulators trace the merchant back to your BIN. Slyce360 gives you one view across every ISO, merchant and MID, with alerts that roll up to you.
They underwrite and price their own merchants and take on the liability. But when an ISO can’t cover the loss, it lands on your BIN and your bank. You need to see their portfolio as it changes, not just at the annual review.
You underwrite the merchants and carry the risk, but the retail ISO owns the relationship, and its incentives don’t always match yours. Its business runs on new accounts and commissions, not on managing the risk those accounts bring to your portfolio.
Analytics below the MID
Acquirer and gateway reports stop at the merchant ID. Slyce360 brings merchant CRM data alongside your payments data, so you can see which affiliate, offer or campaign is driving the risk.
Litigation & regulatory defense
Regulators and plaintiffs’ attorneys ask the same questions: when did you see the problem, and what did you do about it? With Slyce360, every alert, owner, update and corrective action is recorded with a date, so your oversight is documented, not reconstructed.
And because problems surface while they are still small, the strongest record is the one where the fine, the lawsuit and the headline never happen.
Talk to our team about continuous oversight of your ISOs and merchants.
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