The situation
Transalliance Holdings, a payment service provider with 1,800 active MIDs, was managing chargeback exposure across four tools — a fraud scoring vendor, an AML platform, an in-house reporting stack, and a mix of spreadsheets. VDMP-flagged MIDs had crept up over two quarters, and sponsor-bank pressure was building.
The compliance team's core complaint was not detection — the fraud tool was doing its job. It was the workflow after the alert: investigations restarted from scratch on every tool, and the RM channel to the merchant was email.
What changed
OneAI replaced the reporting stack and the AML tool. The fraud vendor was kept for device signals; everything else — cases, watchlists, SAR, MID governance — moved onto OneAI within eight weeks.
MID Governor took the majority of the workload for chargeback-heavy verticals. Reserve adjustments that used to require a Slack thread and an email chain now flowed through a maker-checker proposal.
RFI Automation replaced the email chase for merchant evidence. SLA tracking meant merchants that used to disappear on requests were escalated automatically.
Outcomes
VDMP-flagged MIDs dropped 71% in one quarter, without terminating merchants; most were kept inside programme thresholds via reserve holds and threshold changes proposed by the Governor.
The compliance team's case backlog dropped 64% by the second month. Analysts stopped triaging alerts that turned out to be duplicates from three different tools.
Sponsor-bank reviews went from a two-week workstream to a one-click export.
In the CTO's words
"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." — Anselm Fowel, Chief Technology Officer, Transalliance Holdings.