Know who you're onboarding before they cost you.
Subtext analyzes a merchant's entire web presence in 30 seconds, so your team stops Googling and starts deciding.
meridian-coffee.com
20 minutes. That's how long your analysts spend manually reviewing each merchant; Googling the business, reading reviews, checking social profiles, piecing together a risk picture from browser tabs.
Subtext does it in 30 seconds.
Here's what happens
in those 30 seconds
Submit a URL or business name. Send a merchant's website through our API or paste it into the dashboard. No documents to collect, no forms to fill out, no back-and-forth with applicants. One input is all we need to start.
Subtext reads their entire web presence. Our AI scans the merchant's website, social profiles, review sites, business directories, and 2,000+ web sources. It analyzes what the business claims to be, what it actually does, and how the internet sees it.
Get a decision-ready risk report. In under 30 seconds, you receive a structured report — business verification, industry classification, risk flags, sentiment analysis, and a clear recommendation. Configured to your rules, ready for your team to act on.
Merchant risk doesn't end
at onboarding. Neither do we.
Screen merchants at onboarding — in seconds, not days. When a new merchant applies, Subtext instantly verifies their business exists, confirms what they do, and flags anything that doesn't add up. Your team gets a clear report instead of a stack of browser tabs.
Good merchants today can become risky merchants tomorrow. After onboarding, Subtext watches your entire portfolio daily and alerts you when a merchant's website, reviews, or business model changes.
When a case needs much more than a quick check. Extended and thorough AI-powered investigation across a merchant's full online presence — the kind of report that used to take an analyst half a day.
Turn risk findings into audit-ready documentation. Every finding from screening, monitoring, and investigation — packaged into formatted, timestamped reports ready for regulators and card networks.
Visa automated 56% more of their merchant onboarding with Subtext.
When Visa Cross-Border Solutions integrated Subtext, their team saw immediate results: merchant onboarding automation jumped 56%, review times dropped from minutes to seconds, and legitimate merchants got activated faster.
"Checks and verifications that were previously taking our analysts more than 30 minutes now take an average of 17 seconds. Cant beat that kind of efficiency."
— Visa Cross-Border Solutions
Plug in, don't rebuild. Subtext is API-first. One endpoint, one call, structured JSON response. Integrate into your existing onboarding flow, risk engine, or case management system without changing how your team works.
REST API · Webhook alerts · Configurable risk rules · Batch processing · Portal + API access