Onboard merchants
in seconds
Verify merchants instantly, catch fraud before the first transaction, and satisfy card network requirements — without slowing down activation.
Trusted by payment processors, PayFacs, and acquiring banks to verify and monitor millions of merchants.
Every merchant you activate becomes your liability — for chargebacks, fraud losses, and card network violations. Move fast without the right controls and risk rises. Move slow and merchants drop off. Middesk gives you both: activation in seconds and the intelligence to know exactly who you're activating.
The cost of getting merchant onboarding wrong
Visa & Mastercard chargeback threshold before fines & monitoring programs
Hours lost to manual merchant verification while competitors activate
Of merchant applications in manual review before a single transaction
From merchant activation to continuous compliance
From a name or TIN, Middesk generates a complete merchant profile in seconds: direct IRS and SOS connections, pre-fill that reduces application friction, and automatic approval for low-risk merchants. Complex cases routed to review with context already assembled.
Shell company detection, synthetic business identification, and entity relationship graphs that expose coordinated fraud rings and transaction laundering schemes. AI agents investigate suspicious patterns and deliver case-ready conclusions before a single transaction is processed.
Ownership changes, address updates, industry shifts, and entity status changes monitored automatically across your entire merchant portfolio. Network-level alerts surface suspicious activity between scheduled reviews, not after a chargeback.
Core payments features
Single identity foundation
One unified business record powers merchant onboarding, fraud detection, compliance, and ongoing monitoring. No reconciling across vendors.
Complete merchant coverage
Day-of-formation businesses, sole proprietors, DBAs, and sub-merchants. 100% US coverage across every entity type.
MCC and industry classification
Authoritative merchant category classification, prohibited business detection, and high-risk industry flagging that is accurate enough for card network compliance.
MATCH screening
Terminated merchant screening at onboarding and continuous monitoring for new matches. Know before you activate.
AI investigation agents
Verification gaps resolved, fraud signals investigated, and portfolio changes flagged. Cases arrive pre-investigated when they reach your team.
Audit-ready documentation
Timestamped decisions, source attribution, and explainable results that are defensible to Visa, Mastercard, acquiring banks, and sponsor bank auditors.
We used to struggle to keep pace with our queues, with merchants waiting days for approval. Now we maintain zero queue, and merchants get approved the same day. Quick approval leads directly to usage, retention, and growth.
Autobooks was processing 5,000 merchant applications a month at 40% annual growth — but manual KYB checks created mounting queues and multi-day wait times. After integrating Middesk, they hit 70%+ underwriting automation, cleared their queue to zero, and cut chargeback losses by more than 50%.
Aaron Schmid
Co-Founder & COO, Autobooks
5x
Increase in onboarding capacity without proportional headcount growth
100%
Address validation accuracy, up from 60%
0
Manual proof-of-activation reviews for Delaware and New Jersey entities
Connect Middesk to the partners your team already uses
One API. Onboard fast, catch fraud faster.
Skip the vendor sprawl. Middesk's API verifies merchants in seconds, detects shell companies and fraud rings before processing, and monitors risk continuously — embedded directly in your payments stack. Single API, under 2 seconds. No rip-and-replace.
