Merchant risk: catch the storefronts that won't exist when the chargebacks land.
PSPs and BNPLs onboard SMB e-commerce merchants on self-reported data. The public record often says otherwise: the brand belongs to an operator running dozens of storefronts, and the merchant's lifespan is one selling season.
What self-reported onboarding misses
The merchant that vanishes
A disposable storefront sells hard for a quarter and disappears. The chargebacks arrive after the operator has moved to the next brand — and they land on you.
KYB stops at incorporation
A real LLC with a real bank account can still be storefront #88 of one operation. Entity verification tells you the shell exists; it doesn't tell you what it is.
Manual review doesn't scale to a book
An analyst can research one merchant. Nobody re-screens ten thousand of them against the trademark register and marketplace seller disclosures by hand.
Screen against the public record
Batch-screen the book
POST a list of brands or merchant names and get the facts back for each: owner, country, register footprint, operator-cluster membership, and the honest no_record for names with no US filing.
One lookup at onboarding
A single GET in the onboarding flow answers who is behind the brand right now — computed at request time from the register, not from a stale snapshot.
A file for the escalation
When a merchant needs a closer look, the $49 brand report ships the complete record as a PDF: mark list, transfers, cluster evidence, resolved seller identities with addresses.
Questions
What coverage should we expect?
The graph covers the US trademark register (14M marks) joined with marketplace seller disclosures. A merchant whose brand has no US filing returns no_record — itself a signal worth having in the file, stated as a fact rather than a score.
Can we screen our existing portfolio once before integrating?
Yes — the batch endpoint takes a list, and for a one-time screen of a larger book, email us and we'll run it and return the facts as a file.
Is this a risk score?
No. Every answer is facts with the underlying record linked — your risk model decides what they mean. We publish nothing we can't cite, and when the record is unclear we say ambiguous.
Related: For marketplace trust & safety · The INFORM Consumers Act, explained
Screen a merchant now
Pick a merchant from your book and run their brand through the free check. If the answer surprises you, imagine the book.
Wondering if it fits your stack?Text Josh, the founder (279) 240-3865