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Compliance
Governance
Telemetry
Orchestration
The market can already produce scores, dashboards and findings. What it cannot reliably do is decide what should happen next, execute that action across a portfolio, confirm the risk actually improved and retain the evidence. That closed loop is the future — and it is the layer ZeroRisk is building. One engine, embedded in the trusted channels that already serve merchants and SMBs.
2004 — 2024
Manual, point-in-time attestation. Annual checkbox. Tells you who filled out the form.
→
2024 — onward
Continuous, AI-guided risk orchestration at portfolio scale. Tells you who's actually vulnerable — and what to do about it.
Merchant risk has moved beyond compliance
Merchants face scams, fake invoices, stolen credentials, compromised websites, payment page attacks and ransomware — with no time, budget or technical expertise to solve it themselves. Acquirers need to reduce risk, engage merchants, evidence outcomes, and turn protection into revenue.
01
Real-time telemetry across the full portfolio, not an annual sample.
02
Continuous vulnerability scoring — beyond cardholder data, across the full merchant environment.
03
AI-guided, single-click remediation from identification to fix, at any portfolio size.
The platform, as a flow
This is an orchestration layer, not a vendor tool catalogue.
Detect
Identify risk across compliance, websites, scripts, credentials, scams, devices and recovery.
Decide
Prioritise what matters based on merchant profile, severity, bundle and partner policy.
Orchestrate
Route the merchant to the right action, tool, partner, bundle or service.
Remediate
Guide or execute approved fixes through AI and agentic workflows.
Evidence
Show what changed, what was completed, and how risk reduced.
Monetise
Convert portfolio risk into security-led revenue, bundle adoption and partner services.
Why nobody else can do this
Every major competitor acquired their way to a platform. We built ours from the first line of code — and it shows.
Platform
Compliance, cybersecurity monitoring, external threat intelligence, and portfolio analytics — one system, not a six-vendor patchwork. Customizations that take competitors six months take us weeks.
4.8/5
Merchant satisfaction
Weeks
Not months, to customize
Intelligence
Every merchant graded on real exposure — email security, domain reputation, vulnerabilities, malware — not just attestation status. One unlock, one remediation plan.
C
A real score, not a pass/fail
1-click
Remediation at scale
AI
Today, AI supports SAQ completion, PCI guidance and remediation support. Near term, it interprets risk, prioritises the next best action, and guides the merchant through the right journey. Agentic AI will increasingly perform or coordinate approved remediation on the merchant's behalf — generating fix instructions, guiding MFA and SPF/DKIM/DMARC setup, opening partner tickets, and validating the outcome.
Agentic AI does not mean uncontrolled automation. It means permissioned, auditable remediation workflows — with merchant approval, partner routing and evidence capture.
Built clean. Stays fast.
The revenue story
Non-compliance fee revenue is under structural pressure. Acquirers who built their model around it are managing a dependency that may not survive the next five years. Most have no replacement. Until now.
01
Risk monitoring, threat remediation, and external scanning — priced for sustainable, recurring revenue.
02
Your highest-risk merchants become your highest-opportunity merchants.
03
Build and operationalize your own services on top of the ZeroRisk rails.
Built for your model
Acquiring banks
Real-time visibility across your entire merchant portfolio — not a snapshot taken once a year, but a continuous, always-on view of who's exposed and who needs attention today.
Portfolio-level risk scoring, not per-merchant snapshots
One pane of glass — not a six-vendor patchwork
Built for teams running 200,000 merchants with two people
Processors, ISOs & Payment Facilitators
As the entity of record, sub-merchant liability travels upstream to you. ZeroRisk gives processors and payment facilitators the same portfolio-level intelligence as the largest acquiring banks.
Continuous risk scoring across every sub-merchant
Automated compliance that converts instead of frustrates
Tier-one intelligence, sized for how you actually operate
A natural adjacency
The merchant is also an SMB banking customer. The same risks — scams, invoice fraud, stolen credentials, ransomware and business disruption — increasingly show up inside banking relationships. ZeroRisk's AI-powered engine can be embedded as an SMB Risk Health module inside digital banking, helping banks improve customer protection, engagement and value-added services.
SMB banking is the natural adjacency — the same engine, a different trusted channel.
Book a platform demo and see how ZeroRisk moves acquirers from compliance enforcement to risk-based, revenue-generating merchant protection.
