Connecting you to global partners
Merchant Cloud connects you to key stakeholders across the commerce journey, empowering you to innovate and grow your customer portfolio.
Building the future of payments with world-leading partners
Access innovation and experience from selected global payments partners.
- E-Commerce
- Verticals
- Payments
- Fraud
- Services
Onlayer is an AI-powered merchant risk intelligence platform that helps acquiring banks, PSPs, and payment facilitators automate the full merchant lifecycle — from onboarding due diligence to continuous monitoring. Covering both e-commerce and physical POS merchants across 150+ country-specific regulatory and card scheme frameworks, Onlayer scans 200+ risk signals to detect fraud, compliance violations, and hidden merchant risk at global and local levels. With 20M+ merchants scanned, 200+ clients worldwide, and certifications as a Mastercard Technology Provider, Onlayer is the trusted compliance and fraud prevention partner for acquirers globally.
Onlayer’s scope with Mastercard covers the following product areas:
Merchant onboarding — for any type of merchant.
Merchant monitoring — e-commerce and physical POS continuous monitoring, e-skimming and malware detection, and geolocation monitoring for physical terminals.
Onboarding decision engine and physical POS ruleset engine — automated risk decisioning.
Platform and support — SaaS platform access, integration support, and customizable department management.
The descriptions provided here come directly from each partner, and Mastercard makes no representations regarding their accuracy or suitability. The partners listed in this document each work with Mastercard in different ways, but introduction inclusion doesn’t imply any legal partnership or agency relationship. If you’d like to understand the nature of any specific relationship and how services are provided in connection with Merchant Cloud, please contact us.