KenalKenal Aura
Monitor every merchant, every day, with the evidence on every flag.
Kenal Aura watches your whole merchant portfolio for Mastercard and Visa rule breaches, content that drifts from the declared business, and sanctions exposure. When something changes, your team gets an alert with the proof attached.
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What Kenal Aura is
Kenal Aura is a merchant monitoring service for acquirers and payment facilitators that re-checks each merchant's website against card-scheme rules, screens for adverse media and sanctions, and flags risk with the evidence attached.
Acquirers and payment facilitators use it to meet the card schemes' ongoing monitoring rules across thousands of merchants, without a team manually reviewing websites. It picks up where Kenal Business onboarding ends.
Every merchant website, captured and compared
Kenal Aura captures each merchant's website, compares it with the last scan and shows you what changed, with the page kept as evidence.
Why it matters
- the assessment an acquirer can face per merchant under Mastercard Rule 5.12.7, or USD 2,500 a day
- USD 200,000
- each merchant can be re-checked against card-scheme rules
- Every day
- evidence retained in locked storage for every flag
- 7 years
How it works
From a change on a merchant's site to a closed case, with the evidence all the way through.
Check every merchant against the rules
Kenal Aura visits each merchant's website, captures what it finds and classifies it against Mastercard and Visa rule categories and the merchant's declared category. Media and sanctions checks run alongside.
Get an alert with a deadline
Each finding becomes an alert with a severity and a due date, so nothing slips past the schemes' timelines. Reminders go out before a deadline is missed.
Investigate and close the case
Your team works the case with the screenshots, page changes and activity log in one place, records the resolution and produces the reports the schemes ask for.
What it covers
Websites
- Card-scheme rule classification
- Drift from the declared merchant category
- Terms, refund and delivery page changes
- Scans from several countries to catch geo-cloaking
Media and sanctions
- News, reviews and public media
- AML, PEP and sanctions screening
- Directors and controlling persons monitored
- Scheduled re-screening
Casework
- Alerts with severity and deadlines
- Investigations and incident reports
- MATCH listing workflow
- Monthly monitoring and SLA reports
Compliance and security
Mapped to Mastercard and Visa ongoing monitoring expectations and to BNM's risk management rules.
- Every flag carries a screenshot, extracted text, capture time and a content hash, retained for seven years in locked storage.
- A source that fails to load is reported as a gap, never as a clean result.
- Each acquirer's data is isolated, with role-based access and a full audit log.
Questions buyers ask
What does Kenal Aura monitor?
Kenal Aura monitors each merchant's website, public media and sanctions exposure after onboarding. It checks what the merchant actually sells against the card-scheme rules and against the business category it declared, watches its terms, refund and delivery pages for changes, and screens the business and its controlling persons against AML, PEP and sanctions lists. Every finding comes with its evidence.
Why do acquirers need ongoing merchant monitoring?
Because the card schemes hold acquirers responsible for what their merchants do after onboarding. Mastercard and Visa both expect ongoing monitoring for prohibited and brand-damaging activity, and under Mastercard Rule 5.12.7 an acquirer can face assessments of up to USD 200,000, or USD 2,500 a day, per merchant. Kenal Aura finds the problem before the scheme does.
How often does Kenal Aura check each merchant?
Kenal Aura can check every merchant every day. You set the cadence per merchant, so high-risk merchants are watched daily while steady, low-risk ones can run weekly or monthly to match your risk appetite. Media and sanctions checks run on their own schedules, and a new finding raises an alert as soon as it is found.
What evidence does Kenal Aura keep when it flags a merchant?
Every flag carries the evidence behind it: a full-page screenshot, the extracted text, the time of capture and a content hash that shows the page has not been altered since. Evidence is retained in locked storage for seven years, so your team can show a card scheme or a regulator exactly what was on the merchant's site and when.
Where can we see Kenal Aura in more depth?
Kenal Aura has its own site at aura.kenal.io, with detail on its monitoring, investigations, reporting and security for acquirers, payment facilitators and fintechs. You can also ask our team for a proof of value on a sample of your own merchants, so you see real findings from your portfolio before deciding.
Go deeper at aura.kenal.io
Kenal Aura's own site covers monitoring, investigations, reporting and security in detail, for acquirers, payment facilitators and fintechs.
Used with
Onboard merchants with Kenal Business, then keep watching them with Kenal Aura.
See what Kenal Aura finds in your portfolio
Ask for a proof of value on a sample of your merchants, and review real findings with our team.