Consumer Reviews as Leading Indicator for Merchant Risk

As digital payments grow, so do the risks for acquiring banks and payment facilitators. Chargebacks, merchant insolvencies, and operational issues present significant challenges. This whitepaper explores how leveraging consumer reviews and real-time data can help identify risks early and improve financial outcomes. In this whitepaper, we discuss:
  • How the rise in digital payments increases chargeback risks and financial exposure for acquiring banks and payment facilitators.
  • Why consumer reviews can serve as leading indicators for chargeback risks by revealing delivery issues, product deficiencies, and refund problems.
  • The role of API-based monitoring tools in combining real-time negative news with consumer review scores to enhance risk detection.
  • A case study highlighting how early negative customer reviews signaled the financial collapse of a Dutch bicycle manufacturer.

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