AI-Driven Merchant Verification & MCC Mapping

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Onboarding to Scale: How AI-Driven Merchant Verification & MCC Mapping Reduces Risk and Boosts Efficiency

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Nitya

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Reimagining merchant onboarding for a smarter, faster digital economy.

The Merchant Onboarding Challenge

India’s payments landscape is expanding rapidly, with millions of new merchants joining digital platforms each year. Yet, slow manual verification, MCC errors, and fragmented KYB checks continue to block scalability. Each misclassified merchant exposes banks and PSPs to revenue loss, compliance risk, and operational delays.

To grow sustainably, the ecosystem needs automation driven by intelligence. That’s where CARD91’s BlitzTrust brings transformation.

Why Merchant Verification & Classification Matter

Accurate verification is the foundation of trust between banks, acquirers, and merchants. Before activation, credentials such as PAN, GSTIN, and Udyam must be verified and classified under the correct MCC (Merchant Category Code).

MCC mapping influences interchange fees, pricing logic, settlement flows, and regulatory compliance.
Manual errors cause revenue leakage and misreporting; automated systems prevent these risks—turning compliance into a competitive advantage.

Introducing CARD91’s BlitzTrust

BlitzTrust is an AI/ML-powered Merchant Verification & Classification Suite that automates every onboarding layer—from PAN/GSTIN validation to dynamic MCC assignment—within seconds.

Core Features

PAN, GSTIN & Udyam Verification: Instant database validation.
AI-Driven Risk Scoring: Flags fraud and data inconsistencies before activation.
Dynamic MCC Mapping: Assigns and updates codes automatically.
Bulk Re-Classification: Audits legacy merchant portfolios.
Smart Dashboard & APIs: Unified risk and onboarding monitoring.

BlitzTrust turns complex workflows into one intelligent, auditable process.

How It Works: From Application to Activation

Merchant Applies – Submits PAN, GST, and business details.
Automated Verification – Real-time checks via official databases.
AI Risk Scoring – Evaluates legitimacy and detects anomalies.
Dynamic MCC Classification – Accurate categorisation by business type.
Dashboard Monitoring – Track status and risk tiers in real time.

Why Banks & Acquirers Choose BlitzTrust

Banks, PSPs, and acquirers today face intense pressure to balance regulatory compliance with speed of execution. BlitzTrust empowers them to do both.

With its AI-driven automation, what once took days can now be completed in minutes. Merchant verification, classification, and activation happen seamlessly without the delays of manual checks.
The accuracy achieved by the platform virtually eliminates MCC misclassifications—ensuring precise billing, transparent interchange logic, and error-free settlements.

Financial institutions that deploy BlitzTrust also experience a marked reduction in manual effort and operational overheads. The platform’s intelligence-led approach helps teams work faster, detect inconsistencies early, and focus on growth instead of repetitive validation tasks.

Most importantly, onboarding processes stay fully compliant with RBI, NPCI, and AML/KYC guidelines, enabling institutions to grow their merchant base confidently and securely.

Use Cases Across India’s Fintech Ecosystem

Banks & Acquirers: Scale merchant networks securely.
Payment Aggregators & PSPs: Reduce drop-offs and speed activation.
Fintechs & Lenders: Assess merchant risk for embedded credit.
Marketplaces & Platforms: Automate vendor verification and settlement compliance.

Compliance-First by Design

BlitzTrust ensures every verification is traceable and RBI-compliant:

AES-256 data encryption at rest and in motion.
Consent-driven access per RBI/NPCI rules.
Automated re-checks on regulatory updates.
Complete audit logs for every classification event.

When compliance and intelligence work together, scaling safely becomes effortless.

Conclusion: Build Trust, Not Bottlenecks

In India’s fast-digitising economy, the ability to onboard merchants swiftly and securely defines competitiveness.

BlitzTrust empowers banks and fintechs to achieve speed, accuracy, and compliance in one platform—turning every verified merchant into a trusted connection in India’s digital commerce fabric.

Accelerate Merchant Onboarding with BlitzTrust
Discover how CARD91’s AI-powered Merchant Verification & Classification suite simplifies onboarding while boosting accuracy and compliance.
Explore BlitzTrust | Book a Demo