Catch merchant risk before
your acquirer does
Payment service providers sit between merchants and their acquirers. When a merchant pivots into a prohibited category, the PSP is often the first to see it, and the last to get blamed. Kenal AURA runs the continuous monitoring and discovery that keeps PSPs ahead of their upstream acquirer.
Summary
Kenal AURA is the merchant lifecycle risk operations platform for PSPs managing merchant portfolios across Malaysia and ASEAN. It runs continuous monitoring, detects category drift, discovers undeclared merchant properties, and routes findings through analyst workflows, so problems are caught before they become acquirer notifications, scheme findings, or chargebacks.
Entity discovery that catches laundering setups
Transaction laundering is the PSP's biggest exposure. Kenal AURA sweeps the open web for undeclared merchant URLs using identity signals, routes discovered URLs through a review workflow, and pulls confirmed URLs into active monitoring. Secondary stores, affiliate funnels, and regional clones surface before they become findings.
Drift alerts across the whole portfolio
Every merchant is scanned on a configurable cadence. Drift is scored against the approved baseline. MCC drift is its own alert class. Pinned policy pages raise the alarm on silent Terms & Conditions rewrites. Severity-based queues route the worst alerts to the fastest analysts.
Investigation workflows that scale
Every alert becomes a case with an assigned owner, SLA clocks, and structured resolution codes. Cases age visibly, reminders fire automatically, and the audit trail is built as the team works, not reconstructed at quarter-end.
Reduce chargebacks, avoid MATCH listings
Every missed drift signal costs the PSP: chargebacks from prohibited content, acquirer notifications, scheme findings, and in the worst case, MATCH listings for terminated merchants. Kenal AURA raises the signal early and keeps the evidence ready for every action.
Modules that power this
Entity Discovery
Find undeclared URLs and secondary stores via open-web sweeps.
Learn moreMCC Drift Detection
Alert on category pivots against the approved Merchant Category Code.
Learn morePinned-Page Drift
Hash-lock policy pages and catch silent rewrites.
Learn moreWeb Change Detection
Continuous multilingual crawling and content classification.
Learn moreInvestigation Workflows
SLA-tracked cases with structured resolutions and audit trail.
Learn moreDrift Detection & Alerting
Severity-based alert queues with analyst override and override audit.
Learn moreFrequently asked questions
- Our portfolio has hundreds of small merchants. Is the platform cost-effective?
- Yes. The monitoring cadence is configurable per risk tier, so small low-risk merchants run on a lighter cadence than high-risk segments. Costs scale with the actual monitoring intensity, not with a flat per-merchant number.
- Does this feed into our existing ticketing system?
- Yes. Kenal AURA supports webhook event routing with HMAC-signed payloads and configurable retry handling. Alerts and case state changes can be delivered into existing ticketing, alerting, or SIEM systems without custom integration code.
- How do we handle false positives?
- Analysts can resolve any alert as a false positive with structured reason codes. Dismissed alerts are retained in the audit trail so the decision can be defended later. Repeatedly dismissed patterns can be suppressed at the rule level to reduce noise.
- Can we run this for a single sub-portfolio first?
- Yes. The platform supports per-portfolio configuration, so you can start with a high-risk segment and expand coverage. Bulk CSV upload lets you move merchants in and out of monitoring scope without engineering work.