Liability flows upstream
When a merchant can’t cover its chargebacks, your sponsor bank looks to you through reserves, indemnification clauses and, if needed, lawsuits. One merchant can create a loss bigger than your residuals can absorb.
Solutions
ISOs, PayFacs & MSPs
Grow your high-risk book without growing your exposure. Slyce360 helps you see risk in every merchant and sub-merchant as it develops, and gives you three ways to earn more from the portfolio you already have.
The risk
You earn the residuals. You also inherit the risk.
Every merchant you board brings its products, marketing, affiliates and customer service into your portfolio, and the consequences flow back to you.
Your sponsor bank is watching
Card brands score the acquirer’s whole portfolio under VAMP and GMAP. A few out-of-control merchants in your book can put your sponsor relationship, and your ability to board new merchants, at risk.
Sub-merchants multiply the burden
Mastercard’s Scam Merchant Monitoring Program (SMMP) extends to sponsored merchants. PayFacs and ISOs with large sub-merchant portfolios inherit the same 72-hour investigation clock at much larger scale.
Mastercard SMMP explainedRisk changes after boarding
A new product, affiliate, traffic source or billing model can make the merchant you approved obsolete within weeks. Annual reviews and month-end reports find out too late.
How Slyce360 manages it
- Every merchant, every day. Transaction-level monitoring across every MID and sub-merchant, with rules you set plus automated ones for VAMP, SMMP, refunds and approval rates.
- The cause, not just the ratio. Merchant CRM data alongside payments data shows which affiliate, campaign or product is driving a problem.
- A plan your merchant can act on. Each alert becomes a work ticket with a prescriptive action plan your team and your merchant share, and a record your sponsor bank can see.
The revenue
Three ways Slyce360 grows your margin.
Underwrite more merchants
Say yes to the medium- and high-risk merchants your competitors turn away. Because you can see risk continuously, not just at boarding, you can grow the higher-margin side of your book at risk-adjusted returns you can defend.
Keep merchants active longer
Problems surface early, so merchants fix them instead of getting shut down. Fewer terminations means residuals that keep coming month after month. Keep the merchants. Lose the fines.
Require or sell Slyce360 as a value-added service
Buy Slyce360 at a buy rate and set your own price to your merchants. Include it in processing fees or make it a requirement of underwriting. The margin is yours.
Two ways to earn
Make money with either model.
Choose the sales approach that fits your organization.
Merchant Referral Model
We Cut You a Check
Refer medium- and high-risk merchants to the Slyce360 team. We negotiate pricing, provision the service directly to the merchant and pay you a commission, and you get your own Slyce360 tenant to monitor the merchants you referred.
Value-Added Service Model
You Control Your Margin
Offer Slyce360 to your merchants on our buy rate and set your own price. Package it in processing fees or require it at underwriting. You’re in charge.
Revenue calculator
See what Slyce360 could add to your portfolio profit.
Enter your processing details and we’ll calculate the margin you can make.
Coming soon. The revenue calculator will appear here.
Try the margin calculatorGrow your high-risk book with confidence.
Talk to our team about your portfolio and which model fits.
Schedule a consult