How it works
From messy processor data to a file your acquirer can actually evaluate.
HighRiskIntel takes your existing transaction and dispute data and turns it into structured risk visibility, alert workflows, and processor-ready documentation — without requiring an engineering team or a complicated integration.
The workflow
Six steps from raw data to processor-ready documentation.
Connect your processor data
Import statement data, dispute reports, and transaction history from your existing processor. HighRiskIntel accepts CSV exports from most major processors — no API integration required to start.
Output
Baseline dispute ratio, refund ratio, authorization rate, and volume trend
Surface what matters before processors act
The platform highlights chargeback ratio movement, authorization decline trends, refund velocity, MID health signals, and reserve pressure — the same signals your processor's risk team watches.
Output
Live operating dashboard with weekly trend direction for each key metric
Route dispute alerts into a decision queue
EDR, CDRN, RDR, Verifi, and Ethoca alerts map to the original order, customer risk signals, and a recommended action: refund, review, fight, or escalate. Each alert logs the decision and timing.
Output
Alert response queue with order context, risk flags, and tracked response time
Generate processor-ready documentation
When a processor asks for a remediation plan, an underwriting narrative, or a root-cause explanation, HighRiskIntel produces a structured document — not a spreadsheet dump — that risk teams can actually evaluate.
Output
Formatted risk file with root cause, corrective actions, monitoring plan, and current metrics
Plan payment routes with real data
If the current processor relationship is under pressure, HighRiskIntel maps which payment routes — US-backed, offshore, backup MID, crypto-backed — are realistic given the merchant's actual dispute profile.
Output
Payment route assessment with documentation gaps and application readiness by route
Track remediation progress
Corrective actions are assigned owners and dates. As the dispute ratio improves, the platform tracks which changes moved the needle — giving the merchant an evidence trail for the next processor conversation.
Output
Timestamped remediation log showing what changed, when, and the measurable impact
Core tools
Three tools in one operating system.
Risk dashboard
Merchant risk monitoring
Track chargeback ratio, refund ratio, authorization rate, volume, and MID health signals in one view. Weekly trend direction surfaces what is moving before your processor notices.
Merchant solutions →Alert queue
Dispute alert operations
Route EDR, CDRN, RDR, Verifi, and Ethoca alerts into a structured queue with order context, risk signals, and refund/fight recommendations. Every decision is logged with timing.
Alert solutions →Documentation
Processor-ready reports
Generate structured remediation plans, underwriting narratives, and risk files that processor risk teams can actually evaluate — not generic summaries or spreadsheet exports.
Acquirer readiness →FAQ
Common questions about how HighRiskIntel works.
How does HighRiskIntel get my processor data?
Most merchants start by uploading statement exports (CSV or PDF) from their existing processor. This covers dispute history, transaction volume, refund data, and authorization summary. For merchants who want live monitoring, we support direct data feeds from select processors. No integration is required to do a risk audit or generate documentation.
How long does the initial risk audit take?
A basic risk audit typically takes 24–48 hours after you submit your information and processing history. Complex situations — multiple MIDs, prior termination, MATCH/TMF, compliance questions — take 3–5 business days. We do not guess; we wait for enough data to give you an accurate assessment.
Do I need to cancel my current processor to use HighRiskIntel?
No. HighRiskIntel works alongside your existing processing relationships. The output — documentation, dispute tracking, remediation files — is designed to improve your standing with your current processor, not replace it. If the relationship cannot be saved, we help you plan alternatives.
What does the chargeback alert workflow look like in practice?
When an alert comes in (EDR, CDRN, Verifi, Ethoca), it appears in your alert queue alongside the original transaction data: customer info, order amount, product, fulfillment status, and any prior dispute history from that customer. The system recommends refund, review, or fight based on your current chargeback ratio and the cost/benefit of each option. You log the decision and the timing. This creates a documented response record that shows processors you have a real alert management process.
What format does the processor documentation take?
The output is a structured PDF document suitable for sending to a processor risk team, acquirer underwriting department, or ISO. It includes a business summary, dispute ratio trend (with explanation of any spikes), corrective actions taken (with dates), monitoring plan going forward, and current operating metrics. It does not look like it came from a spreadsheet.
Get started
Start with a free risk audit — no integration required.
Submit your processing history and current situation. We will map your dispute data, identify the gaps, and tell you exactly what needs to change.