Where it Helps
The Merchant Web Intelligence agent reads a merchant's website live, gathers domain and off-site signals, and returns the likeliest merchant category code (MCC) as ranked candidates, with cited evidence on whether the declared MCC matches what the site actually sells. Underwriters no longer review websites by hand to confirm what a business sells, spot prohibited products, and catch MCC misclassification. Mismatch severity is computed deterministically, not by the model. The agent recommends and the underwriter decides, and every check leaves a durable record of what was reviewed.
Key Capabilities
Live Website Review
Reads the merchant's website at review time, so the assessment reflects what the business sells today.
Domain and Off-site Signals
Gathers domain and off-site signals alongside the site itself to build a fuller picture of the business.
Ranked MCC Candidates
Returns the likeliest MCC as ranked candidates, each backed by cited evidence from the site.
Declared vs. Observed MCC
Compares the MCC on the application with what the site sells and shows whether they match.
Deterministic Mismatch Severity
Mismatch severity is computed by rules, not by the model, so results are consistent and explainable.
Prohibited and High-Risk Products
Flags prohibited or high-risk products found on the site for underwriter attention.
Durable Record of the Check
Stores what was checked and the evidence behind it, replacing an undocumented manual review.
Underwriter Decides
The agent recommends. Approval, decline and escalation stay with your underwriter.
How it Works
1
Application Submitted
A merchant application arrives with a declared MCC and website.
2
Website Read Live
The agent reads the site and gathers domain and off-site signals.
3
MCC Compared
Ranked MCC candidates are compared with the declared MCC, with cited evidence and a mismatch severity.
4
Underwriter Decides
The underwriter reviews the findings, including any prohibited or high-risk products, and makes the call.
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