{"id":6170,"date":"2026-10-21T21:15:00","date_gmt":"2026-10-21T18:15:00","guid":{"rendered":"https:\/\/legalbit.top\/ru\/?p=6170"},"modified":"2026-10-23T15:59:14","modified_gmt":"2026-10-23T12:59:14","slug":"transaction-laundering-and-miscoding","status":"publish","type":"post","link":"https:\/\/legalbit.top\/en\/transaction-laundering-and-miscoding\/","title":{"rendered":"Transaction Laundering and Miscoding: The Hidden Threats to Your Fintech Business"},"content":{"rendered":"\n<div class=\"lbm\"><svg width=\"0\" height=\"0\" style=\"position:absolute\" aria-hidden=\"true\"><symbol id=\"i-info\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5M12 8h.01\"\/><\/symbol><symbol id=\"i-eye\" viewBox=\"0 0 24 24\"><path d=\"M2 12s4-7 10-7 10 7 10 7-4 7-10 7S2 12 2 12z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/symbol><symbol id=\"i-list\" viewBox=\"0 0 24 24\"><path d=\"M9 6h11M9 12h11M9 18h11\"\/><path d=\"M4 6h.01M4 12h.01M4 18h.01\"\/><\/symbol><symbol id=\"i-coin\" viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><\/symbol><symbol id=\"i-scale\" viewBox=\"0 0 24 24\"><path d=\"M12 3v17M7 20h10M4 7h16M7 7l-3 7h6zM17 7l-3 7h6z\"\/><\/symbol><symbol id=\"i-bank\" viewBox=\"0 0 24 24\"><path d=\"M3 10l9-6 9 6M5 10v8M9 10v8M15 10v8M19 10v8M3 21h18\"\/><\/symbol><symbol id=\"i-search\" viewBox=\"0 0 24 24\"><circle cx=\"11\" cy=\"11\" r=\"6\"\/><path d=\"M20 20l-4-4\"\/><\/symbol><symbol id=\"i-alert\" viewBox=\"0 0 24 24\"><path d=\"M12 3l10 18H2z\"\/><path d=\"M12 10v4M12 17.5h.01\"\/><\/symbol><symbol id=\"i-doc\" viewBox=\"0 0 24 24\"><path d=\"M7 3h8l4 4v14H7z\"\/><path d=\"M15 3v4h4M10 12h6M10 16h6\"\/><\/symbol><symbol id=\"i-bulb\" viewBox=\"0 0 24 24\"><path d=\"M9 18h6M10 21h4\"\/><path d=\"M12 3a6 6 0 0 0-3.5 10.9c.6.5 1 1.2 1 2.1h5c0-.9.4-1.6 1-2.1A6 6 0 0 0 12 3z\"\/><\/symbol><\/svg><section class=\"lbm-intro\"><div class=\"lbm-intro-main\"><p class=\"lbm-lead\">Two linked threats can cost a payment company its card scheme access: transaction laundering and miscoding. In the first, an illicit merchant processes payments through a legitimate merchant\u2019s account. In the second, a wrong merchant category code hides what the merchant really does. Visa and Mastercard hold acquirers responsible for their merchants, and acquirers pass fines down.<\/p><p class=\"lbm-verified\">Checked on 21 October 2026. Rules and sources are current as of this date.<\/p><ul class=\"lbm-toc\"><li><a href=\"#what\">Two threats<\/a><\/li><li><a href=\"#visa\">Visa definition<\/a><\/li><li><a href=\"#mc\">Mastercard rules<\/a><\/li><li><a href=\"#now\">Scheme programs<\/a><\/li><li><a href=\"#bram\">BRAM and mitigation<\/a><\/li><li><a href=\"#risk\">Risks<\/a><\/li><li><a href=\"#case\">Case analysis<\/a><\/li><li><a href=\"#steps\">How to protect<\/a><\/li><li><a href=\"#faq\">FAQ<\/a><\/li><\/ul><\/div><\/section><section id=\"what\"><h2>Transaction laundering and miscoding<\/h2><div class=\"lbm-roles\"><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-eye\"\/><\/svg><\/span><h3>Transaction laundering<\/h3><p>An illicit merchant uses an approved merchant\u2019s account to process its payments. The front site sells books, while a shadow site takes bets or sells banned goods through the same gateway. It passes KYC\/KYB because the shop window is clean.<\/p><\/div><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-list\"\/><\/svg><\/span><h3>Miscoding<\/h3><p>Every card merchant has a four-digit merchant category code (MCC), for example 5942 for book stores and 7995 for gambling. The code sets fees, risk level and which scheme rules apply. A wrong or vague code hides the real business. It can be innocent, such as an outdated code, or deliberate to avoid restrictions.<\/p><\/div><\/div><p style=\"max-width:70ch\">The two often go together: a fraudster first registers a company under a low-risk code, then uses it to process illicit payments.<\/p><\/section><section id=\"visa\"><h2>How Visa defines transaction laundering<\/h2><p>In its Visa Acceptance Risk Standards (VARS), transaction laundering, also known as factoring, is described as a sophisticated form of money laundering where an unknown business uses an approved merchant&#8217;s payment credentials to process card payments for undisclosed goods or services. Visa separately treats as unacceptable transactions knowingly intended to hide the true source and nature of the payment by layering it through what looks like a low-risk business but is in fact selling prohibited goods or services.<\/p><p>Visa treats the risk of miscoding and transaction laundering as its own category of legal and regulatory risk. Acquirers must put controls in place during underwriting and monitoring so that concealed illegal transactions do not enter the Visa system.<\/p><p>Visa&#8217;s recommended tools include regular review of transaction data for unusual patterns, such as an unusually high number of transactions, similar amounts or transactions that do not match the underwritten business. They also include checking that merchant websites sell only what is declared and have a checkout process, web crawling, behavioural analytics, and monitoring for mismatches in merchant name and MCC and for suspicious URL connections and backlinks.<\/p><\/section><section id=\"mc\"><h2>What Mastercard requires of acquirers<\/h2><p>In Mastercard&#8217;s Security Rules and Procedures (Merchant Edition), transaction laundering is expressly named among the things that ongoing monitoring must cover. An acquirer must periodically review a merchant&#8217;s activity for changes over time, including monthly volume and transaction count, refunds, fraudulent transactions, average ticket size, chargebacks, activity inconsistent with the business model, transaction laundering and potentially illegal or brand-damaging activity.<\/p><p>A specific rule applies to merchants with six months or less of Mastercard acceptance history. If more than five percent of purchase transactions are refunded or charged back in a rolling 30-day period with at least 500 purchases, the acquirer must investigate the merchant as a potential scam merchant.<\/p><p>For acquirers in the Europe Region, Mastercard recommends additional checks on e-commerce merchants. At onboarding and rescreening, look for unrealistic promotions, including countdown timers, products unrelated to the merchant&#8217;s business or MCC, and customer service contacts that are unreachable or lack the merchant&#8217;s name. In transaction monitoring, warning signs include a very low approval rate, many authorisations without CVC2, a low CVC2 match rate, no 3DS when adding a card on file and significant volumes from issuer countries that do not match the merchant&#8217;s target market. On such alerts the acquirer is recommended to pause or temporarily block payouts to the merchant.<\/p><\/section><section id=\"now\"><h2>What the card schemes do about it<\/h2><div class=\"lbm-cols\"><p>Visa\u2019s Integrity Risk Program (VIRP) replaced the earlier GBPP. It focuses on card-absent merchants in high integrity risk categories, sorted into three tiers: gambling, adult content, dating and pharmacies in the first; crypto, file sharing and games of skill in the second; telemarketing, high-risk trading platforms, negative-option subscriptions and cross-border tobacco sales in the third. Under the VIRP the acquirer must include in the merchant agreement Visa\u2019s right to limit or terminate it.<\/p><p>Mastercard\u2019s BRAM (Mastercard\u2019s Business Risk Assessment and Mitigation program) covers transaction laundering, illegal or miscoded gambling and other brand-damaging activity. Its Merchant Monitoring Program encourages acquirers to use monitoring tools, and this affects the size of the mitigation, as shown below. Fines go to acquirers, and terminated merchants stay in the MATCH (Mastercard\u2019s list of terminated merchants) database for five years.<\/p><\/div><\/section><div class=\"lbm-svc\"><div><b>Need help with this topic?<\/b><p>We will review your situation and propose a solution for your project.<\/p><\/div><a class=\"lbm-svc-btn popmake-4929\" href=\"#\" role=\"button\">Contact us<\/a><\/div><section id=\"bram\"><h2>BRAM and Mastercard&#8217;s assessment mitigation<\/h2><p>The BRAM program investigates merchants referred to Mastercard as potentially engaging in illegal or brand-damaging transactions. It mainly enforces the rules on integrity of brand and network (3.7) and on illegal or brand-damaging transactions (5.12.7). An investigation can start from a referral by law enforcement, rights holders or industry groups, a complaint from customers or cardholders, or Mastercard&#8217;s own identification. If a violation is confirmed, Mastercard opens a case, notifies the acquirer and, after the response and documents, makes a final determination on the violation and any assessments.<\/p><p>Participation in the Merchant Monitoring Program (MMP) is optional. An acquirer that takes part engages a Mastercard-approved monitoring provider (MMSP). The provider scans the merchant before its first transaction, monitors it persistently, including the payment page and members-only areas, and reports violations to the acquirer within five business days. The acquirer then investigates and stops the violation within 15 calendar days and sends Mastercard monthly reports. The size of the mitigation depends on this.<\/p><div class=\"lbm-cmp\"><table><thead><tr><th><\/th><th>Acquirer in MMP<\/th><th>Acquirer not in MMP<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">Found by the acquirer or MMSP, stopped before Mastercard identified it<\/th><td>100% mitigation<\/td><td>100% mitigation<\/td><\/tr><tr><th scope=\"row\">Found by Mastercard, stopped within two business days<\/th><td>75% mitigation<\/td><td>25% mitigation<\/td><\/tr><tr><th scope=\"row\">Found by Mastercard, not stopped within two business days<\/th><td>No mitigation<\/td><td>No mitigation<\/td><\/tr><\/tbody><\/table><\/div><p>An acquirer that does not monitor for transaction laundering gets no mitigation of assessments for transaction laundering. For terminated merchants Mastercard keeps the MATCH database, where transaction laundering has its own reason code 03 and records stay for five years.<\/p><\/section><section id=\"risk\"><h2>What is at stake<\/h2><div class=\"lbm-roles\"><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-coin\"\/><\/svg><\/span><h3>Fines and liability<\/h3><p>Scheme assessments are made against acquirers, who usually pass them on to merchants under their contracts. You also carry the chargebacks of the illicit merchant and may face higher processing fees.<\/p><\/div><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-scale\"\/><\/svg><\/span><h3>Regulatory exposure<\/h3><p>Facilitating laundering, even unintentionally, breaches AML (anti-money laundering) rules and can end in licence loss and personal liability for management.<\/p><\/div><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-bank\"\/><\/svg><\/span><h3>Partners<\/h3><p>Acquirers and schemes can terminate you at once, and a record in the terminated merchants database makes new accounts hard to open.<\/p><\/div><div class=\"lbm-role\"><span class=\"lbm-ico\"><svg><use href=\"#i-eye\"\/><\/svg><\/span><h3>Reputation<\/h3><p>News that your platform moved illicit money damages trust with clients and investors.<\/p><\/div><\/div><\/section><section id=\"case\"><h2>Case analysis<\/h2><div class=\"lbm-co soft\"><span class=\"lbm-ico\"><svg><use href=\"#i-bulb\"\/><\/svg><\/span><div><b>Hypothetical example, not a real case<\/b><p>An acquirer notices that an online clothing store has, within a month, a growing share of transactions that do not look like its declared business, and several receipts look like payments for other goods. A sensible order of action is to check the actual site and goods against the declared MCC, request supply documents from the merchant, suspend payouts until clarified and, if a mismatch is confirmed, correct the MCC or end the relationship.<\/p><\/div><\/div><\/section><section id=\"steps\"><h2>How to protect the business<\/h2><ol class=\"lbm-steps\"><li><span class=\"lbm-ico\"><svg><use href=\"#i-scale\"\/><\/svg><\/span><div><h3>Set your risk appetite and MCC list<\/h3><p>Define which businesses you accept, keep an approved MCC list and review it regularly.<\/p><span class=\"lbm-tag\">Start here<\/span><\/div><\/li><li><span class=\"lbm-ico\"><svg><use href=\"#i-search\"\/><\/svg><\/span><div><h3>Scrub the portfolio<\/h3><p>Review what each merchant really sells and assign the most accurate MCC, filling gaps.<\/p><\/div><\/li><li><span class=\"lbm-ico\"><svg><use href=\"#i-eye\"\/><\/svg><\/span><div><h3>Go deeper at onboarding<\/h3><p>Look at the business model, not just documents: hidden links, price and product mismatches, traffic sources.<\/p><\/div><\/li><li><span class=\"lbm-ico\"><svg><use href=\"#i-alert\"\/><\/svg><\/span><div><h3>Monitor continuously<\/h3><p>Combine transaction monitoring, website crawling and checks for prohibited content or hidden payment pages.<\/p><span class=\"lbm-tag must\">Important<\/span><\/div><\/li><li><span class=\"lbm-ico\"><svg><use href=\"#i-doc\"\/><\/svg><\/span><div><h3>Fix it in the contracts<\/h3><p>Merchant agreements should require an accurate MCC, give audit and termination rights and allow passing fines on. We covered which clauses to include in <a href=\"\/en\/merchant-agreement-transaction-laundering\/\">our article on merchant agreements and protection from transaction laundering<\/a>.<\/p><\/div><\/li><\/ol><div class=\"lbm-co soft\"><span class=\"lbm-ico\"><svg><use href=\"#i-bulb\"\/><\/svg><\/span><div><b>Tip<\/b><p>Taking part in Mastercard\u2019s Merchant Monitoring Program with an approved provider lifts the mitigation from 25% to 75% when Mastercard itself finds the violation and you stop it within two business days.<\/p><\/div><\/div><figure class=\"lbm-pull\"><q>Standard KYC is no longer enough: you need to know what the merchant really does after onboarding, not only who it is.<\/q><cite>The LegalBit team<\/cite><\/figure><\/section><section id=\"faq\"><h2>Frequently asked questions<\/h2><div class=\"lbm-faq\"><details><summary>How does Visa define transaction laundering?<\/summary><p>As an unknown business using an approved merchant\u2019s payment credentials to process card payments for undisclosed goods or services. Acquirers must put controls in place during underwriting and monitoring.<\/p><\/details><details><summary>What assessment mitigation does Mastercard\u2019s MMP give?<\/summary><p>Up to 100% if the acquirer finds and stops the violation itself, 75% if Mastercard finds it and it is stopped within two business days while the acquirer is in the MMP, and 25% if it is not. If the violation is not stopped within two business days, there is no mitigation.<\/p><\/details><details><summary>Is miscoding always intentional?<\/summary><p>No. A code can be outdated, vague or too general, for example when a merchant adds new products. But a deliberate wrong code to avoid restrictions is a violation either way.<\/p><\/details><details><summary>Who pays scheme fines?<\/summary><p>The schemes assess acquirers, and acquirers usually pass fines down to the merchant under their contracts. Your agreements decide how far this goes.<\/p><\/details><details><summary>Can monitoring reduce the penalties?<\/summary><p>Yes, if the acquirer takes part in Mastercard\u2019s Merchant Monitoring Program. Mitigation is 100% if the violation is found and stopped before Mastercard identifies it, and 75% instead of 25% if Mastercard finds it and it is stopped within two business days. Monitoring does not replace your own controls.<\/p><\/details><\/div><p class=\"lbm-more\"><b>See also: <\/b><a href=\"\/en\/brazil-betting-ban\/\">Brazil&#8217;s Betting Ban: Provisional Measure No. 1,394<\/a>; <a href=\"\/en\/how-banks-block-fintech-startup-accounts\/\">How banks block fintech startup accounts and how to avoid it<\/a>; <a href=\"\/en\/ai-act-checklist-saas\/\">EU AI Act checklist for IT companies and SaaS developers<\/a>; <a href=\"\/en\/payment-institution-emi-licence-eu-uk-canada\/\">EMI and Payment Institution Licence in the EU, UK and Canada<\/a>; <a href=\"\/en\/kyc-kyb-payment-providers\/\">KYC and KYB for Payment Providers<\/a>; <a href=\"\/en\/payfac-sub-merchant-liability\/\">Payment Facilitators, Aggregators and ISOs: Who Is Responsible for Sub-Merchants<\/a>; <a href=\"\/en\/gambling-payment-laundering\/\">Illegal Gambling Through Other Businesses\u2019 Card Payments<\/a>; <a href=\"\/en\/accepting-crypto-payments-business\/\">Accepting crypto payments in business<\/a>. Services: <a href=\"\/en\/fintech-payments-legal\/\">legal services for fintech and payments<\/a>.<\/p><div class=\"lbm-src\"><b>Sources<\/b><ul><li><a href=\"https:\/\/usa.visa.com\/dam\/VCOM\/download\/merchants\/visa-acceptance-risk-standards.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Visa: Acceptance Risk Standards (VARS), October 2024<\/a><\/li><li><a href=\"https:\/\/visa.cl\/content\/dam\/VCOM\/regional\/lac\/SPA\/chile\/Documents\/visa-integrity-risk-program-chile.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Visa: Integrity Risk Program (VIRP), version of 6 April 2023<\/a><\/li><li><a href=\"https:\/\/www.mastercard.com\/content\/dam\/mccom\/shared\/business\/support\/rules-pdfs\/SPME-Manual.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Mastercard: Security Rules and Procedures, Merchant Edition (4 August 2026), sections 8.8, 8.9, 11<\/a><\/li><\/ul><\/div><\/section><\/div>\n\n\n\n<div class=\"lb-ac\"><h2>This is what we do<\/h2><p>How we help projects with this topic:<\/p><ul><li><a href=\"https:\/\/legalbit.top\/en\/regulatory-and-compliance\/\">Licensing, compliance and AML\/KYC<\/a><\/li><li><a href=\"https:\/\/legalbit.top\/en\/fintech-payments-legal\/\">Lawyers for fintech and payment services<\/a><\/li><\/ul><\/div>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BlogPosting\",\"headline\":\"Transaction Laundering and Miscoding: The Hidden Threats to Your Fintech Business\",\"description\":\"What transaction laundering and miscoding are, how Visa VIRP and Mastercard BRAM penalise acquirers and PSPs, and how to protect a payment business.\",\"url\":\"https:\/\/legalbit.top\/en\/transaction-laundering-and-miscoding\/\",\"mainEntityOfPage\":\"https:\/\/legalbit.top\/en\/transaction-laundering-and-miscoding\/\",\"image\":\"https:\/\/legalbit.top\/wp-content\/uploads\/2025\/07\/transaction-laundering.webp\",\"datePublished\":\"2026-10-21T18:15:00Z\",\"dateModified\":\"2026-10-21T18:15:00Z\",\"inLanguage\":\"en\",\"author\":{\"@type\":\"Organization\",\"name\":\"LegalBit\",\"url\":\"https:\/\/legalbit.top\/\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"LegalBit\",\"url\":\"https:\/\/legalbit.top\/\"}}<\/script>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does Visa define transaction laundering?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As an unknown business using an approved merchant\u2019s payment credentials to process card payments for undisclosed goods or services. 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In the first, an illicit merchant processes payments through a legitimate merchant\u2019s account. In the second, a wrong merchant category code hides what the merchant really does. Visa and Mastercard hold acquirers responsible for their merchants, and acquirers pass [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7028,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,72],"tags":[118,115,120,117,119],"post_folder":[],"class_list":["post-6170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compliance-and-aml","category-fintech","tag-card-schemes","tag-compliance","tag-fintech","tag-payments","tag-transaction-laundering"],"_links":{"self":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/posts\/6170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/comments?post=6170"}],"version-history":[{"count":47,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/posts\/6170\/revisions"}],"predecessor-version":[{"id":8134,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/posts\/6170\/revisions\/8134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/media\/7028"}],"wp:attachment":[{"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/media?parent=6170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/categories?post=6170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/tags?post=6170"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/legalbit.top\/en\/wp-json\/wp\/v2\/post_folder?post=6170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}