Changelog
What we shipped.
Product notes from the OneAI team. New features, improvements, and honest deprecations — updated with every release.
Releasev2.6
- Website Availability monitor — real-time Up / Slow / Down status per merchant website, with a live check-history strip that shows the last several probes at a glance
- Portfolio-wide filters (Up / Slow / Down / all) and merchant search across the availability grid
- Smart firing cadence — checks fire on each MID's first transaction of the window, so dormant merchants generate zero noise
- One-click 'Run now' to refresh availability across the portfolio on demand
Releasev2.5
- RFI Automation deployed — when a rule fires, OneAI drafts a structured Request for Information, tracks the response SLA, and lands the merchant response on the merchant record
- Merchant Response Portal — secure evidence intake linked to the case
- MID Governor — autonomous MID-level policy proposals (tiered volume governance, reserves, thresholds) with maker-checker approval on every change
Releasev2.4
- Monitoring rule change requests — a maker-checker workflow for every rule change with proposals, approvals, decision notes, and withdrawal
- Chief Compliance Officer role — full compliance surface with escalation authority and audit oversight
- Analyst inbox with SLA countdowns and priority sorting per case
- Merchant search: fuzzy matching across MID, descriptor, business name, and website
Releasev2.3
- Transaction Pre-Check — stop fraud, MID abuse, and prohibited transactions before authorisation. Any candidate transaction is checked synchronously against your rule library, sanctions and PEP lists, watchlist, restricted verticals, and per-MID risk posture, then returned with an Allow / Review / Block decision and the specific reasons behind it
- Case timeline: unified view of alerts, RFIs, evidence, and decisions on every merchant
Releasev2.2
- Monitoring rule library expanded to 27 rule families — including authentication quality (AVS / CVV / 3DS), refund anomaly, MCC drift, descriptor anomaly, BIN velocity, geo and impossible-travel, email hygiene, structuring pattern, chargeback texture, currency drift, first-time high value, decline-code pattern, and IP infrastructure
- Configurable per-rule thresholds and windows
- On-demand rule evaluation with live progress
Releasev2.1
- MID Website Traffic monitor — website registry per MID with live probes for status, response time, SSL, and page title
- Website verification workflow (Pending / Verified / Suspicious / Rejected)
- Website Traffic Mismatch detection — correlates declared merchant traffic to observed behaviour
- Restricted verticals — configurable keyword list feeding nightly merchant risk scoring
Releasev2.0
- Revenue and P&L: per-currency, per-MID revenue calculator with aggregator roll-ups
- Fee schedules — per scheme, card type, currency, and tiered rates with min/max fee
- Fee assignments with effective-date history
- Gross vs settled vs revenue side-by-side
Releasev1.9
- Aggregator directory with full CRUD
- MID ↔ aggregator mapping
- Unmapped-MID triage queue
- Aggregator onboarding pipeline with document compliance analytics
Releasev1.8
- Merchant onboarding pipeline: Application → Compliance Form → Docs Review → Approval → Live
- Documents module with per-document status (Approved / Rejected / Missing) and uploader trail
- Automated pipeline emails on stage change to the RM and merchant
- Pipeline analytics: funnel, drop-off, time-in-stage, and RM productivity
Releasev1.7
- Reserves — per-MID reserve configuration (percentage, min / max, hold period)
- Reserve payback schedule
- Force-hold and release actions
- MID Risk Snapshot with tier (Low / Medium / High / Critical) and multi-factor scoring
Releasev1.6
- Live sanctions and PEP screening against OFAC, UN, EU, and NG lists
- Search by name, PAN, email, IBAN, or account
- Positive hits auto-route to watchlist and case
- Merchant Watchlist — reason, evidence, expected end date, event history, approval workflow, escalation to case
Releasev1.5
- Card velocity, IP velocity, and card-testing pattern detection
- Chargeback ratio monitoring aligned to Visa VDMP and Mastercard ECP
- Fraud ratio monitoring aligned to Visa VFMP and Mastercard EFM
- Alert deduplication so re-evaluations don't produce duplicate alerts
Releasev1.4
- Suspicious Activity Reports (SARs) — file, attach evidence, link to alerts and cases, export a bundle ready for regulator submission
- Manual transaction flags across nine categories with severity and analyst notes
- Immutable audit trail on every change, with a self-service history view for each user
Releasev1.3
- Live MID Monitor — real-time success rate and volume against a rolling 30-day baseline, with colour-coded Alert / Watch / Normal rows
- Watched merchants surface a visual flag everywhere they appear across the platform
Releasev1.2
- Transaction Cases — investigative workspace with attachments (alerts, flags, chargebacks, watchlist entries), notes, assignments, and status lifecycle
- Chargebacks ledger with scheme, reason code, cycle, and lifecycle state
- CRM notes on merchants, visible across the platform
- Customer directory deduplicated across MIDs
- Merchant KYC directory with drill-down per merchant
Releasev1.1
- Monitoring rules engine v1 — amount threshold, volume spike, decline rate, success rate drop
- Alert queue with acknowledge, resolve, suppress, and bulk actions
- Alert context drill-down — the transactions and MID stats behind every alert, with an adjustable window
- Alert comments — analyst notes threaded to every state transition
Releasev1.0
- Transactions report with filters (date, MID, currency, status, card scheme, BIN, country, IP, aggregator) and CSV / XLSX export
- MID summary report — attempts, approvals, decline rate, chargeback ratio, fraud ratio, volume, revenue
- MID directory with bank and aggregator mapping
- Saved reports and scheduled email deliveries
- User and role management with SuperAdmin, Admin, and Analyst roles
Releasev0.1
- OneAI founded — internal alpha built by an ex-acquirer risk team
- First design-partner deployments with a small group of PSPs and acquirers
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