Envisso Protect

Turn your highest-risk merchant segments into your fastest-growing ones.

AI-underwritten credit insurance that makes deferred delivery merchants commercially viable to onboard. Coverage calibrated by intelligent risk scoring, not static rules. Replace rolling reserves. Stop declining merchants you should be winning.

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The problem Protect solves

Rolling reserves protect against the expected. Protect covers what reserves never could.

Without Envisso Protect

  • Decline high-value travel and OTA merchants because settlement exposure is too large
  • Impose rolling reserves that slow onboarding, frustrate merchants, and drive them to competitors
  • Still underprotected. Thomas Cook reserves covered <10% of actual chargeback exposure
  • Working capital locked in collateral, a cost your merchants feel and resent

With Envisso Protect

  • Onboard travel, OTA, subscription, and event merchants previously off-limits
  • Zero collateral requirements. Merchants go live faster with better working capital
  • Tier 1 insurer coverage, stress-tested across 10,000 macroeconomic scenarios
  • Risk management becomes a commercial growth lever, not a cost centre

How Protect works

Embedded insurance, not an insurance product.

Built into your onboarding and risk workflow, not bolted on as a separate policy your team has to manage.

01

Merchant applies to onboard

Envisso Monitor scores the merchant across 30+ data sources. The risk score determines coverage level automatically.

02

Protect underwrites the coverage

Tier 1 insurers provide specialised merchant default coverage. No rolling reserve. No capital held. The merchant goes live.

03

Monitor watches continuously

If signals deteriorate, you get an alert. We work with you on coverage adjustment before exposure becomes a loss.

04

Default triggers payout

If a covered merchant defaults, the insurance claim is processed. Your chargeback liability is covered by the insurer.

Protect · Collateral

Dynamic collateral management

For payment companies that prefer to manage exposure through collateral rather than insurance. Protect's collateral module recommends the right position to hold on a dynamic, per-merchant basis, calibrated to actual risk, not a fixed percentage rule.

Right-sized collateral, updated as merchant risk evolves
Reduce over-collateralisation on lower-risk merchants
Strengthen positions on deteriorating accounts before exposure grows

How DCM works

01

Risk score determines position

Each merchant's collateral requirement is calculated from their live risk score, not a static percentage.

02

Positions adjust automatically

As a merchant's risk improves, collateral reduces. As it deteriorates, positions strengthen before exposure grows.

03

Lower cost, better protection

Merchants keep more working capital. You hold the right amount, not an arbitrary percentage.

Protect in practice

Global Payment Service Provider | Confidential

What if you could protect $600M in credit exposure without holding a single pound in collateral?

A leading global PSP now covers over $4 billion in annual processing volume across nearly 1,000 merchants, including high-exposure travel and OTA merchants they previously couldn't profitably onboard, with no reserves, holdbacks, or friction.

Client identity confidential. Results available on request.

Read more case studies
$4B+
Processing volume covered
$600M+
Credit exposure covered
$0
Collateral or reserves required

Where Protect makes the difference

The merchant verticals you've been declining

Travel & Airlines

Long booking windows, high average values, significant settlement gap between purchase and delivery.

OTAs & Hospitality

Online travel agents and hotel platforms: advance payment, concentrated chargeback risk on cancellations.

Subscriptions & SaaS

Recurring billing creates ongoing credit exposure, and chargeback velocity can spike suddenly when a platform fails.

Events & Ticketing

Tickets sold months in advance create concentrated, time-limited settlement risk that reserves can't adequately cover.

and other industries with delayed delivery risk...

Ready to onboard the merchants you're currently declining?

Tell us about your merchant portfolio and the segments you've had to turn away. We'll show you what Protect can cover and what the commercial impact looks like.

Request Demo →

No commitment. 30 minutes.