North AmericaA merchant platformGood merchants start selling sooner. Bad ones never get in.88%of risky merchants stopped before they go liveRead the storyKYB checks even with no registry record.
Before you onboard a merchant, pay a seller or lend to a business, check that the business is real and active.
Even with no registry record: if it trades, it leaves traces online.
88%of risky merchants stopped before they go liveA merchant platform
Why KYB checks miss risky businesses, and how Monnai reads them online.
Today
Registered is not the same as real.
Today
Fronts look like businesses.
With Monnai
Read the history behind the name, and the owner’s phone and email.
Consumer Risk IntelligenceToday
Many businesses have thin files.
Business checks (KYB) by industry.
How the problem shows up in each industry.
Customer results in KYB.
What they needed, what they measured, and how.
North AmericaA merchant platformGood merchants start selling sooner. Bad ones never get in.88%of risky merchants stopped before they go liveRead the storyGet answers about KYB
What is a KYB check?
A KYB check (know your business) confirms that a company is real, active and what it says it is, before you onboard it as a merchant, pay it as a seller or lend to it. Business Web Presence answers from how the business shows up online.
Can you run a KYB check on a business that isn’t in a registry?
Yes. If a business trades, it leaves traces online: a website, listings and reviews. Business Web Presence reads how long they go back, what customers say and what the business really sells, even with no credit file and no registry record.
How do you spot a shell company or a front?
A registry check alone can miss them: shell companies are registered too. Their life online gives them away: a website only weeks old, a parked domain or a burst of reviews in a single day. Real businesses leave a steady trail; fronts appear all at once.
What information do you need to check a business?
Business Web Presence starts from the business’s name and website. Add the owner’s phone number and email, and Phone Intelligence and Email Intelligence read them in the same API call: how long they have existed and how they behave across Monnai’s network.
When should we run a KYB check?
Before a business goes live, gets paid or gets credit: merchant onboarding, marketplace sellers, payment facilitators and business lending. In lending, web presence signals can also feed your score when the business has a thin file.
Can we test KYB checks on our own merchants?
Yes. Send a file of past merchant or seller sign-ups, flagging the ones that turned out risky if you know them. Monnai checks them offline, with no integration on your side, and your full report is ready within 5 business days.
Let us prove it. Test us on your data.
Send past applications or transactions. We score them and send back a full report: every score with its reasons, and the uplift for your portfolio.
5 business days to your full report. We commit to it.