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Merchant Scam and Risk Indicator

Gain earlier visibility into merchant risk

Help issuers surface merchant risk sooner with AI-powered insights from Mastercard’s global network intelligence. 

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Man using Merchant Scam and Risk Indicator on his laptop.

208%

Increase in fraudulent transactions by 20291

30%

Of adults globally have experienced a shopping scam2

$9-$10

Average cost for FIs to process a dispute3

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More context for better decisions

Merchant Scam and Risk Indicator (MSRI) provides sub-MID-level merchant risk insights, helping issuers uncover potential risk that may not be visible through traditional transaction-based tools alone.

Spot emerging risks

Gain visibility into merchant-related risk before losses accumulate.

Broader intelligence

Leverage insights derived from network intelligence and predictive analytics.

Complement existing tools

Use merchant risk insights at authorization alongside existing fraud signals and decisioning tools.

Designed for
real-time risk decisioning

Merchant risk insights delivered during authorization to support more informed decision making.

Merchant risk score

A predictive merchant-level risk score that helps detect merchants with elevated fraud and scam-related risk indicators.

Reason code insights

Context explaining dominant risk driver contributing to merchant risk score.

Delivered at authorization

Insights delivered during authorization for use along with other signals within existing fraud workflows.

Bring merchant risk insights into your fraud strategy

Learn how Merchant Scam and Risk Indicator (MSRI) delivers predictive network level merchant risk insights at authorization to support more informed fraud decisions.

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Mastercard
  1. Global Fraud Detection and Prevention in Banking Markets 2024-2029, Juniper Research
  2. GASA Global State of Scams Report, 2025
  3. The Top Banking Fraud Types to Watch in 2025, NetGuardians