Enterprise Merchant Complianceat Portfolio Scale
One platform to manage compliance, risk scoring, scheme reporting, fine calculations, and enforcement across your entire merchant portfolio — from onboarding to annual re-validation.
From Onboarding to Scheme Reporting
GRCTrack covers every stage of the acquirer compliance lifecycle without manual handoffs.
Onboard Portfolio
Import merchants via CSV or API. Auto-assign risk tiers, SAQ types, and compliance deadlines.
Monitor Continuously
Real-time alerts for expiry, scan failures, control drift, or high-risk merchant changes.
Score & Prioritise
AI risk model surfaces the merchants requiring immediate attention. Prevent issues before they escalate.
Report to Schemes
Generate card brand reports automatically. Submit on time, every time, with full audit trail.
12 Purpose-Built Modules for Acquirers
No other platform covers this breadth of acquirer compliance requirements out of the box.
Portfolio Intelligence Dashboard
Real-time compliance status across your entire merchant portfolio. AI-driven risk tiers, expiry tracking, SAQ validation status, and custom segmentation by region, MCC, or risk band.
- Live compliance heat-map
- Risk-tiered merchant scoring
- Bulk onboarding via CSV or API
- Custom portfolio segments
Fine Calculator & Enforcement Ledger
Calculate potential card brand fines in real time using current Visa, Mastercard, and Amex tariff tables. Log enforcement actions, track dispute timelines, and maintain a full audit history.
- Scheme-specific fine tables
- Fine forecast modelling
- Enforcement action log
- Dispute management timeline
AI-Powered Risk Scoring Engine
Proprietary multi-factor risk model evaluating transaction volume, MCC category, compliance history, breach indicators, and control posture — updated daily to surface emerging threats.
- Transaction-volume adjusted scores
- MCC-specific risk weights
- Control posture indicators
- Breach probability forecasting
Scheme Report Automation
Generate Visa Compliance Programme, Mastercard SDP, Amex DSOP, and Discover DISC reports with pre-populated data from your portfolio. Export in card brand required formats.
- Visa / MC / Amex / Discover / JCB
- Pre-populated data extraction
- Schedule auto-generation
- Submission-ready export formats
Continuous Compliance Monitoring
Track merchant compliance posture between validation cycles. Automated alerts when SAQs expire, evidence gaps emerge, or scan failures occur — before card brands flag them.
- Expiry & renewal tracking
- ASV scan orchestration
- Control drift detection
- Automated escalation rules
Merchant Self-Service Portal
White-label branded portal where merchants complete SAQs, upload evidence, and track compliance. Reduces your support burden by 70% while accelerating merchant time-to-compliant.
- Custom domain & branding
- Guided SAQ workflows
- Evidence upload & linking
- Compliance progress tracker
ROC/AOC Management
Central repository for all Report on Compliance and Attestation of Compliance documents. AI-powered sub-requirement extraction validates completeness and flags discrepancies.
- ROC sub-requirement extraction
- AOC validation scoring
- Version history & archiving
- Cross-period comparison
Targeted Campaigns
Run compliance improvement campaigns to merchant cohorts. Target by risk band, SAQ type, expiry window, or geography. Track open rates, completion rates, and remediation uplift.
- Segment-based targeting
- Email campaign templates
- Completion rate tracking
- Remediation uplift metrics
Benchmarking & Portfolio Analytics
Compare your portfolio performance against industry benchmarks. Identify compliance maturity trends, detect systemic weaknesses, and report improvement to senior stakeholders.
- Industry peer benchmarking
- Compliance maturity scoring
- Trend analysis over time
- Board-ready reporting
Consultancy & Engagement Tracking
Manage internal and third-party QSA engagements across your portfolio. Track milestones, billable time, deliverables, and client satisfaction scores in one place.
- Engagement lifecycle tracking
- Milestone & deadline management
- Time logging & invoicing
- Satisfaction score tracking
Commission & Referral Tracking
Track referral pipelines, commission payouts, and merchant acquisition sources. Generate payout reports and reconcile commissions against card brand data.
- Partner commission tiers
- Referral source attribution
- Payout reconciliation
- Revenue analytics
ASV Scan Orchestration
Manage external vulnerability scanning across your merchant portfolio. Orchestrate scans via integrated ASV providers, track failures, and push remediation assignments.
- Multi-provider ASV integration
- Automated scan scheduling
- Failure tracking & escalation
- Remediation assignment
See Every Merchant. Know Every Risk.
The Portfolio Intelligence Dashboard gives you a single pane of glass across thousands of merchants — filterable by risk tier, SAQ type, expiry window, geography, and card brand. Drill into any merchant in two clicks.
- Real-time SAQ completion and expiry status
- Risk-tier heat-map with AI-updated scores
- Bulk status updates via CSV import
- Custom watchlists and alert subscriptions
- Board-ready exportable portfolio reports
All Major Card Schemes. One Platform.
Pre-built reporting templates and data pipelines for every major card brand compliance programme.
Fine Calculator & Enforcement Ledger
Calculate potential card brand fines using current Visa, Mastercard, and Amex tariff schedules. Model scenarios, track enforcement actions, and maintain a complete audit-admissible ledger.
Know Your Exposure Before the Scheme Does
GRCTrack's Fine Calculator models your current portfolio exposure using live tariff data from all major card brands — so you can act before fines are issued, not after.
The Enforcement Ledger provides a complete, immutable audit trail of every compliance action, dispute, and resolution — admissible in regulatory proceedings.
See Fine Calculator LiveAI That Understands Your Portfolio Risk
GRCTrack's Acquirer Intelligence Layer (32 AI-powered endpoints) analyses transaction patterns, MCC risk profiles, control posture signals, and historical breach data to surface the merchants most likely to become a problem in the next 90 days.
- Predictive risk scoring updated daily
- Anomaly detection for unusual compliance patterns
- Comparative benchmarking vs. industry peers
- Automated remediation recommendations
- Executive-ready AI narrative reports
White-Label for Your Brand
Deploy the merchant-facing portal under your own brand. Custom domain, colours, logo, and email templates — your merchants never need to know it's GRCTrack under the hood.
Portfolio Intelligence
Merchant Portfolio Compliance at a Glance
Real-time visibility across your entire merchant portfolio — compliance status, risk distribution, and SAQ type breakdown.
Built on Trust
Certified. Verified. Auditable.
GRCTrack maintains independent security and quality certifications so you can trust the platform that manages your compliance programme.
Ready to Modernise Your Merchant Compliance Programme?
Enterprise pricing for acquirers. Dedicated implementation team. Go-live in weeks, not months.