Every business in the payments ecoysystem carries different risk. Realta's underwriting, transaction risk, and AML modules flex to fit the profile of your business.
Frictionless onboarding, program-level control.
Compliance that protects your banking relationships.
Onboard sub-merchants in seconds, monitor risk across your portfolio, and stay audit-ready.
Onboarding volume outpaces manual review capacity.
Sub-merchant risk varies by vertical, geography, and history.
Sponsor banks hold you accountable for every sub-merchant's risk.
Fraud and AML signals sit in separate systems.
Automated KYB/KYC approves low-risk merchants instantly.
Real-time monitoring catches card testing and refund abuse.
Portfolio-wide detection surfaces cross-merchant structuring.
Automated KYB/KYC approves low-risk merchants instantly.
Real-time monitoring catches card testing and refund abuse.
Portfolio-wide detection surfaces cross-merchant structuring.
A single, transparent decisioning layer across onboarding, fraud, and AML.
“Black box” scoring doesn't hold up under examination.
Underwriting, monitoring, and AML run in disconnected systems.
Growth targets vs. risk appetite is hard to balance at scale.
Cross-border merchants add regulatory complexity.
Sanctions/MATCH screening enforces hard stops automatically.
Consistent risk thresholds by merchant, MCC, or region.
Audit-ready reasoning for examiners and network partners.
Sanctions/MATCH screening enforces hard stops automatically.
Consistent risk thresholds by merchant, MCC, or region.
Audit-ready reasoning for examiners and network partners.
Frictionless onboarding and payments, with program-level risk fully under control.
Any onboarding friction costs conversions.
Lean compliance teams can't keep up with alert volume.
Account takeover and synthetic identity fraud are rising.
Regulators are scrutinizing BaaS programs more closely.
Real-time KYC keeps account opening fast and safe.
Sub-second decisioning catches account takeover patterns.
Auto-resolve low-risk alerts so lean teams focus on real risk.
Real-time KYC keeps account opening fast and safe.
Sub-second decisioning catches account takeover patterns.
Auto-resolve low-risk alerts so lean teams focus on real risk.
Onboard sellers and payees quickly, and stop payout and refund fraud.
High-volume seller onboarding makes manual vetting unscalable.
Payout abuse and buyer-seller collusion hit margins directly.
Marketplaces are often sub-merchants with their own obligations.
Cross-border sellers add KYC and AML complexity.
Risk tiering onboards the right sellers fast.
Detects refund abuse and collusion across the lifecycle.
Monitors money movement between buyers and sellers.
Risk tiering onboards the right sellers fast.
Detects refund abuse and collusion across the lifecycle.
Monitors money movement between buyers and sellers.
Onboard customers and monitor fiat on/off-ramp activity with audit-ready rigor.
Compliance gaps can trigger debanking overnight.
Sanctions and reporting expectations shift quickly.
Fiat on/off-ramps are a common laundering vector.
High-risk customer bases mean high alert volumes.
Sanctions/MATCH screening enforces hard stops.
Flags structuring before funds move.
Surfaces real typologies like smurfing and jurisdiction-hopping.
Sanctions/MATCH screening enforces hard stops.
Flags structuring before funds move.
Surfaces real typologies like smurfing and jurisdiction-hopping.
The same onboarding, fraud, and AML intelligence acquirers and PayFacs use — right-sized for you.
High-risk verticals face constant processor scrutiny.
Enterprise merchants stitch together point solutions.
Growing SMBs often have no dedicated risk team.
In-house analysts get buried in manual review queues.
Risk-based vetting for your customers, sellers, resellers.
Real-time fraud detection protects margin, not friction.
Audit-ready case management for money-movement obligations.
Risk-based vetting for your customers, sellers, resellers.
Real-time fraud detection protects margin, not friction.
Audit-ready case management for money-movement obligations.
Wherever you sit in the payments ecosystem, Realta gives your risk program the speed and rigor it needs to scale.
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