Transaction Laundering Detection

World’s First TLD Solution

 Listed in the Mastercard Champion Program

This program is led by Mastercard and supported by Austreme to assist banks and payment service providers in China to offer a secure and compliant e-commerce payment service.

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What is Transaction Laundering?

Merchant transaction laundering is the action whereby a merchant processes payment card transactions on behalf of another merchant (also known in the industry as “transaction aggregation”). It may trigger non-compliance as well as assessments for non-compliance with other rules, such as card acceptor business codes (MCC) miscoding violations or failure to register a high-risk merchant through the card schemes’ program.

For more details, please read our blog post: What is Transaction Laundering

Who Needs It?

  • Acquirers
  • Card Brands
  • PSP, PF & ISO

Service Details

Austreme’s Transaction Laundering Detection technology is acknowledged by the Hong Kong Institute of Bankers as an outstanding RegTech & Risk Management vendor.


  • Avoiding heavy penalties by registering Austreme with MasterCard MMP

  • All-in-one solution for merchant onboarding, transaction laundering detection and online store illegal content monitoring

  • Reducing manual effort and operation cost of underwriting and risk management

  • Mitigating business, reputation and financial risks

  • Detecting malware and phishing attacks before leaking credit card for sensitive data by the merchants

Simple Risk Management Lifecycle

  • Register all contracted IDs, URLs and MCCs

  • Detect unauthorized URLs, either shared account or aggregated transactions

  • Alert authorized personnel to investigate, report content includes:

    • Merchant name (with assigned merchant ID)

    • URL(s)

    • MCC

    • Violation type

    • Violation category

    • URL content details

  • Investigate report findings

  • Action

    • Date of findings resolved

    • Investigate findings and final resolution status

Technology Highlights

  • No payment performance degradation
  • No manual log transfer required

  • No dependence on “referring URL” information to detect as it can be modified and is not reliable

  • No API or software enhancement required

  • No interruption of payment transaction

  • Supporting over 30 languages
  • Flexible implementation models:

    • Cloud-based: collect, store and analyse transaction laundering activities under payment industry security standard

    • Appliance-based: install at customer’s network

High-Risk Content Under Monitoring:

  • Illegal sale of drugs that are prohibited by applicable law from being sold

  • Illegal sale of prescription drugs

  • Illegal sale of tobacco products

  • Brand-damaging sale of images of offensive and / or non-consensual adult pornography

  • Illegal sale of images of child exploitation

  • Facilitation of unregistered DWOs, binary option trades, Internet gambling, lottery courier services and / or Daily Fantasy Sports in jurisdictions where it is illegal

  • Sale of goods or services in violation of intellectual property rights

  • Sale of illegal electronic devices (such as mobile repeaters (UK), circumvention devices, modification chips and jammers)

  • Sale of certain types of drugs or chemicals (such as synthetic drugs, salvia divinorum, psilocybin mushrooms and spores, and nitrite inhalants)

  • Sale of counterfeit, unapproved and / or expired medical and dental devices

  • Proxy avoidance services to circumvent rules or regulations related to IP address blocking

  • Illegal wildlife trade

  • Illegal sale of any other products or services and more …

Need More Details?