For payment facilitators
Sub-merchant governance at scale.
Payment facilitators onboard thousands of small merchants — each a potential card-scheme incident. OneAI adds the governance layer scheme rules require.
What PayFacs deal with today
Sub-merchant underwriting decisions without ongoing monitoring.
Card-scheme rules (PayFac model) requiring per-sub-merchant policy.
Chargeback ratios rolling up into the sponsor's portfolio.
Aggregator hierarchies four levels deep with policy exceptions everywhere.
Merchant response chased over email with no SLA.
Regulator asks for a submerchant history — three tools required to answer.
What you gain
What OneAI ships to your PayFac
Sub-merchant monitoring
Every sub-merchant a first-class object with its own record.
Aggregator hierarchy
Inherit policy from parent; override per child; audited.
MID Governor
Reserves and thresholds proposed autonomously, versioned, approved.
RFI Automation
Structured merchant response, SLA-tracked, evidence attached.
Sponsor pack
One export answers the sponsor bank's monthly review.
Website & descriptor checks
Continuous, not point-in-time onboarding.
A day in the loop
From sub-merchant onboarding to steady-state governance
- 01Sub-merchant onboardedRecord created under the aggregator hierarchy.
- 02Policy inheritedReserves, thresholds, descriptors from the parent.
- 03Continuous monitoringRules apply per sub-merchant, not just per portfolio.
- 04Deviation triggers RFIAuto-drafted RFI with SLA; response lands on the record.
- 05Governor updates policyReserve or threshold change; maker-checker approves.
Ready to see it?