The autonomous compliance
platform for modern payments.
Fraud monitoring stops at “this looks risky.” OneAI keeps going — alert → investigation → watchlist → RFI → SAR → audit trail. One platform. One merchant view. One system of record.
Payments compliance runs on eight disconnected tools.
Fraud speaks to one system. AML speaks to another. Merchant risk lives in spreadsheets. Governance shows up when regulators ask. OneAI collapses this stack into a single, merchant-centric platform.
- · Alerts die in inboxes. Context lives everywhere.
- · Investigations restart from scratch on every tool.
- · No shared merchant record. No audit trail.
- · Rules live in code. Governance lives in email.
- ✓ One merchant record. One timeline. One audit trail.
- ✓ Maker-checker on rules, watchlists, and reserves.
- ✓ Explainable AI decisions with evidence attached.
- ✓ Auto-RFI when merchants need to respond.
Six product surfaces. One merchant record.
Explore each in depth — or start with what changed the game: RFI Automation and the MID Governor, both live in production today.
Real-time detection with the context of a full compliance stack.
Sanctions, SARs, audit — regulator-ready by default.
Onboarding to offboarding, reserves to descriptors.
From alert to structured merchant response, on rails.
Autonomous MID-level policy engine with maker-checker.
The layer no one else has: compliance officer + PM.
RFI Automation & MID Governor are already on.
Alerts don't die in inboxes. When OneAI needs the merchant, it drafts an RFI, tracks the SLA, and lands the response on the merchant record. Meanwhile, the MID Governor holds the line — reserves, thresholds, descriptors — with maker-checker.
- Autonomous RFI drafting
- Structured evidence responses
- SLA tracking & reminders
- Maker-checker on MID policy
- Reserve orchestration
- Descriptor & website checks
- Version-controlled thresholds
- Full audit trail
Stop it before it becomes a case.
Fraud, MID abuse, and prohibited transactions never make it into your ledger. Any candidate transaction is checked synchronously against your rule library, sanctions and PEP lists, watchlist, restricted verticals, and per-MID risk posture — and you get back Allow, Review, or Block with the specific reasons behind the call.
A working Allow / Review / Block response.
Pick a candidate transaction. The console below runs the same synchronous checks the live API runs, and returns the decision with reasons.
- 27 rule familiesAll clear
- Sanctions & PEPNo match
- WatchlistNo match
- Restricted verticalsF&B allowed for this MID
- Per-MID riskLow tier · score 0.14
Canned examples for demonstration. Live Pre-Check runs the same checks against your rule library, sanctions and PEP corpus, internal watchlists, and per-MID risk posture.
Trusted by teams that answer to regulators.
Selected quotes from customer compliance leadership. Names anonymised at request; introductions available under NDA.
We collapsed four vendors into one platform and closed our chargeback ratio review in a single afternoon. The Pre-Check API alone paid for the first six months.
Our regulators asked for a full case trail on a merchant in under 24 hours. We exported it in five minutes with the audit trail attached. That's the moment my board approved the annual contract.
The MID Governor caught a descriptor drift we would have missed for weeks. Maker-checker meant the reserve adjustment was through governance before the daily standup.
30-minute walkthrough. Written scorecard against your current stack.
We run OneAI on your merchant sample, then hand you an honest comparison to whatever you use today.