Know your merchantsbefore the risk knows you
Kenal AURA gives risk and compliance teams a unified command centre to onboard, monitor, and investigate merchants, combining website intelligence, social media signals, and regulatory checks in one platform.
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Three pillars of merchant risk intelligence
A unified platform that covers the full merchant lifecycle, from onboarding due-diligence to continuous monitoring.
Site Intelligence
Continuously crawl and classify merchant websites against card-brand rules. Detect prohibited content, brand misuse, policy-page drift, and geo-cloaked content before it becomes a compliance breach.
- Multi-locale crawling with screenshot and evidence capture
- BRAM content classification and MCC drift detection
- Pinned-page drift, entity discovery, and severity-ranked alerts
Social and Reputation Intelligence
Monitor public platforms and adverse media for reputational risks, prohibited promotions, and regulatory red flags that do not appear on the merchant website.
- Social profile signals across Facebook, Instagram, Google Reviews, TikTok, Xiaohongshu, Lemon8
- Adverse media screening for news, sanctions, and fraud mentions
- Complaint and sentiment drift as investigation context
Merchant Onboarding
Verify merchants at source, complete director identity checks remotely, and capture site evidence on video. No field visits required.
- Direct SSM registry lookup with live company and director data
- Mobile onboarding app with video capture and face-match director eKYC
- Configurable per-MCC checklists, questionnaires, and approval rules
How it works
From portfolio import to compliance report, in three steps.
Connect your portfolio
Import your merchant list or onboard new merchants through the platform. AURA automatically discovers their web and social presence.
Continuous monitoring
Scheduled scans classify website content, flag social media risks, and check regulatory status, all mapped to card-brand rules.
Investigate & resolve
Risk alerts flow into a unified investigation queue with evidence trails, SLA tracking, and one-click compliance reporting.
Frequently asked questions
- What is Kenal AURA?
- Kenal AURA is a merchant lifecycle risk operations platform. It automates merchant website monitoring, content classification against card-brand rules (BRAM), drift detection, investigation workflows, and compliance reporting for teams managing merchant portfolios.
- How does merchant risk monitoring work?
- Kenal AURA crawls merchant websites on configurable schedules, classifies content using tiered AI (rules engine + LLM analysis), compares results against baseline profiles to detect drift, and surfaces violations through severity-based alert queues with SLA tracking.
- What is BRAM compliance?
- BRAM (Business Risk Assessment and Mitigation) is Mastercard's framework for identifying and managing prohibited merchant content, including illegal gambling, unlicensed pharmaceuticals, counterfeit goods, and other high-risk categories. Acquirers must monitor merchants against these rules, either in-house or through a contracted monitoring provider.
- What is an MMSP?
- An MMSP (Merchant Monitoring Service Provider) is a third-party service accredited by Mastercard to monitor merchant websites on behalf of acquirers. Kenal AURA provides the tooling that supports merchant monitoring operations, whether an acquirer runs the program in-house or through an accredited provider.
- Which countries does Kenal AURA operate in?
- Kenal AURA is built for Malaysia and ASEAN markets. Content classification supports English, Bahasa Malaysia, and Chinese (simplified). Production runs on a multi-cloud regional footprint spanning AWS Malaysia (ap-southeast-5) and GCP Singapore (asia-southeast1), so each tenant can be placed in the region that meets its country's data residency requirement.
Ready to take control of merchant risk?
Get in touch to see how Kenal AURA can strengthen your merchant risk operations with continuous, intelligent monitoring.