The companies rethinking how merchant risk gets assessed.
From global payment networks to growing fintechs, compliance teams use Subtext to screen merchants faster, reduce manual review, and catch risk that traditional verification misses.
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 to seconds
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Selected for Start Path Security Solutions
Mastercard chose Subtext for their global innovation program, recognizing AI-powered web presence analysis as a critical gap in how payment providers assess merchant risk.
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Screening 4,000 merchants without adding a single risk analyst
Parafin embedded Subtext into their merchant cash advance underwriting flow to verify business legitimacy before any capital decision is made, reducing risk while scaling operations.
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50% faster merchant underwriting timeline
Moody's combined Subtext's real-time web presence analysis with their existing data and decision solutions, cutting the time it takes to underwrite a merchant by half.
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73% reduction in manual merchant reviews
GlobalBank automated first-pass screening entirely — cutting manual reviews from 8,400 to 2,200 per quarter and reducing onboarding time from 6 days to 18 hours.
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What changes when merchant screening takes 30 seconds instead of 20 minutes.
56%
average increase in onboarding automation
17s
average screening time (down from 15–20 minutes)
50%
reduction in merchant underwriting time