For high-risk merchants operating in today’s increasingly regulated digital landscape, maintaining compliance with card brand requirements is essential to protect your operations and ensure a safe and transparent environment for users.
At Verifymy, our expertise in online safeguarding makes us an invaluable partner for Payment Service Providers and their merchants. Leveraging our strong relationships with card brands and in-depth understanding of their compliance frameworks, we help merchants navigate complex requirements with confidence. Our solutions are designed to ensure compliance while fostering trust and integrity across the payments ecosystem.
Mastercard’s AN5196 and Visa’s VIRP requirements were introduced to set clear expectations around protecting users and the integrity of online commerce. They cover age verification, content moderation, participant verification, and more – while placing significant responsibilities on merchants and PSPs alike.
Mastercard’s AN5196 refers to standards specifically targeting merchants offering adult content in non-face-to-face environments, such as online platforms.
Introduced in 2021, these requirements aim to ensure the integrity of transactions and protect against illegal or unethical content distribution.
The requirements outlined by AN5196 demand that sites:
VIRP establishes updated requirements for acquirers and their designated agents to assist high-integrity risk merchants.
Introduced in May 2023, these requirements establish a set of ecosystem controls, requirements and capabilities designed to detect, deter and remediate illegal activity from entering the Visa payment system.
The requirements outlined by VIRP demand that sites:
A robust identity and age verification process for all content providers is essential for compliance with card brand mandates.
Verifymy can provide high-risk merchants with both identity verification and age verification solutions. Our innovative technology automates verification by integrating a combination of AI and identity document scanning technologies. We also provide non-intrusive and privacy-preserving age verification methods that leverage data a platform already has, such as an email, to determine age without any impact on the user journey.
Verifymy can work with merchants to maintain compliance records and monitor repeat offenders across platforms. Here, they can benefit from the “network effect”, whereby we can prevent previously flagged or banned providers from registering on other sites we work with. This collaborative approach is similar to how acquirers and card brands can spot fraudulent patterns and compromised card details across their network, offering an additional layer of security.
Participant verification: Verifymy can ensure that all persons depicted in the content have verified their identity and age, confirming participants are over 18 before starting a stream or uploading a video.
Participant consent: As part of the verification process, Verifymy ensures all participants provide explicit consent to be depicted in the content and for the content to be uploaded or streamed, rather than relying on the content provider who may be looking to avoid controls.
Verifymy can help streamline verification and offers comprehensive documentation to demonstrate compliance during audits.
Verifymy’s advanced content moderation solution leverages global networks of content moderation experts, artificial intelligence and machine learning to review and moderate user-generated content prior to publication.
Merchants can implement comprehensive moderation for pre-recorded videos, image content, and live streaming, allowing them to block the uploading of content and automatically stop live streams when flagged content, such as underage content, is detected.
Additional toxicity (e.g. violence, weapons, drugs) and abuse violations can be reviewed in pre-recorded content uploaded to ensure that it is not illegal or otherwise in violation of payment card brands’ standards, ensuring compliance while maintaining platform safety.
An accessible and efficient complaint resolution mechanism is essential for ensuring compliance and user trust. Verifymy can provide merchants with clear processes that allow individuals depicted in a video to request its removal, as well as mechanisms to address complaints regarding the content itself.
Users can report content directly to moderation teams through our integrated safety solutions on merchant platforms. Human moderators will then review and verify these reports, rejecting inappropriate content and flagging it for removal by the merchant.
Leveraging the “network effect” again here amplifies the effectiveness. Once content is flagged, Verifymy can ensure its removal across all merchants within our network, creating a unified response to non-compliant material.
These measures not only enhance user protection but also align with card brands’ expectations for addressing complaints and ensuring the removal of prohibited content.
Transparent reporting tools empower merchants to demonstrate adherence to card brand requirements. Verifmy can support by providing effective reporting, including:
Regular reporting builds trust with acquirers and card brands, reducing the risk of penalties or operational disruptions.
By integrating robust safety measures into compliance strategies, high-risk merchants can meet card brand mandates and foster a safer and more trustworthy environment for users. Prioritising comprehensive identity verification, age assurance, content moderation, complaint handling, and reporting systems is crucial for navigating these complex requirements effectively.
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Discover how we can help you solve your compliance and safeguarding challenges.
A complete end-to-end identity verification and content moderation solution to prevent uploaders from publishing illegal content on user-generated content platforms, ensuring a safe, trustworthy, and compliant online experience for everyone.
Verifymy’s age assurance solution for any online product, service or business, features the widest range of age verification and age estimation methods to ensure the highest pass rates possible with minimal business disruption.
