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Merchant Monitoring & Risk

Our risk-based approach to onboarding and ongoing merchant oversight.

Onboarding Controls
  • Structured merchant onboarding and document collection before activation.
  • Verification of legal business identity, ownership, and operational profile.
  • Risk review based on business model, anticipated volume, and use case.
Ongoing Monitoring

SavPay applies ongoing oversight of merchant activity and supports partner-led risk governance for transaction integrity and program compliance.

Monitoring includes review indicators for unusual behavior, dispute patterns, and operational risk factors.

Escalation and Governance

Cases requiring enhanced review are escalated under internal procedures and, where required, through partner and regulatory channels.

This framework supports card brand expectations, partner policies, and applicable Canadian regulatory obligations.