OneAI
For acquirers

The compliance OS built for acquirers.

Card-scheme rules, chargeback exposure, sponsor-bank oversight, portfolio risk — all on one merchant record.

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What acquirers deal with today
Card-scheme monitoring programmes (VDMP, ECP, EFRP) with 30-day remediation clocks.
Portfolio-wide chargeback and fraud ratios watched by sponsor banks.
MID-level reserves, thresholds, and descriptors spread across spreadsheets.
Aggregator hierarchies with per-sub-merchant policy exceptions.
Board-level reporting on risk posture without a single source of truth.
SAR and STR filings assembled by hand from four tools.
What you gain

What OneAI ships to your acquiring desk

Transaction Pre-Check

Fraud, MID abuse, and prohibited transactions never make it into your ledger — Allow / Review / Block returned synchronously with reasons.

Card-scheme rule library

VDMP, ECP, EFRP thresholds monitored per MID, alerted before the scheme does.

MID Governor

Reserves, thresholds, and descriptors versioned with maker-checker approvals.

Chargeback governance

Per-MID and per-portfolio ratios in one dashboard your CCO trusts.

Aggregator hierarchy

Policy inheritance from aggregator to sub-merchant, with per-child overrides.

Sponsor-bank pack

One-click export of your portfolio posture for sponsor-bank reviews.

SAR automation

Evidence pre-attached from the case; the file assembles itself.

A day in the loop

From merchant activity to sponsor-bank pack

  1. 01
    Portfolio ingestion
    MIDs, aggregators, transactions — all replicated in real time.
  2. 02
    Rule library applied
    Card-scheme, AML, and internal rules run continuously.
  3. 03
    MID Governor recommends action
    Reserve hold, threshold change, descriptor lock.
  4. 04
    Maker-checker approves
    Analyst proposes, team lead approves, audit trail written.
  5. 05
    Sponsor-bank pack
    Monthly review lands in one export, no spreadsheets.
FAQ

Common questions.

How fast does Pre-Check respond?

p95 latency is 47 ms end-to-end in production. The decision includes the specific reasons behind Allow / Review / Block.

Do we keep our existing fraud vendor?

Most acquirers do at launch. OneAI replaces the AML / CRM / reporting / merchant-database layers first. The fraud vendor can stay for device intelligence while OneAI's rules and Pre-Check handle everything else.

How is card-scheme monitoring wired up?

Chargeback and fraud ratios are computed per MID against VDMP, VFMP, ECP, and EFM thresholds continuously. Threshold breaches surface within minutes of the underlying data, not weeks later on a scheme letter.

Can the MID Governor act autonomously?

No. The Governor proposes changes. A human approves before anything is applied. Maker-checker is enforced platform-wide.

What does a sponsor-bank pack look like?

A single export containing your portfolio ratios, per-MID policy state, cases, RFI history, SAR filings, and audit trail. Generated in one click.

Ready to see it?

30-minute walkthrough on your merchant data.

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