Merchant Account Underwriting Tools

The Best Source for Merchant Evaluations

If you are a credit card merchant processor we have good underwriting tools for you.

Fastback Reports are the quickest and least expensive way to validate the merchant before submitting the application to your acquirer.

78288589VirtualSite Surveys provide additional manual searches and are still back to you quickly.

Background Reports that dig deeper into the history of principal and business are a must for potentially Higher Risk Merchants.

Remember,”Fraud By A Merchant Against Consumers Can Result in Acquirer Loss or legal liability.”

Know Your Customer, Your ISO s and Your Agents

Background Reports provide in-depth reporting to assist in the vetting of higher risk merchants, ISO s and agents.

Not only does “Know Your Customer” apply to the merchant accounts you board but also it has become crucial for every processor to “Know Your ISO.” They represent you and they ultimately represent your Acquirer as well. Further, experience has shown that unscrupulous agents have bounced around the industry for years with no accountability.

As government regulatory agencies have increased their focus on the acquiring industry your risk of being sanctioned for lack of due diligence has become much greater.



When you order one of ARMS’ reports you are also receiving our personal quality review and our availability to discuss any questions you have about the results of the searches.

Sites of Interest


Most Recent Blog Post

Merchant’s Gag Orders Don’t Work

There are a couple of things I like about this merchant fraud allegation. The FTC alleged that Roca Labs unfairly used “gag clauses” in their sales contracts and terms and conditions of use, through which Roca threatened to sue purchasers if they complained to a third-party consumer reporting organization (e.g., Better Business Bureau), or postedRead More