Reviewed entity, authority, official domain and payment identity.
The account name matches. Does the store?
Start with the question your desk owns.
Each team can open the answer, evidence and next action for the part it owns.
Name matching stops at the account.
Fraud does not.
Connect who is being paid to where they trade—and what that store can prove.
Merchant-authorised, read-only evidence. Missing evidence routes to review.
Official domains are signed. Candidates stay private until human review.
Purpose, scope, evidence digest, expiry, correction and revocation.
What the bank gets Australia’s permissioned merchant identity, commerce evidence and incident-resolution network—connected to the transaction the team already sees.
How merchants qualify Referred merchants own the account, prove authority and build an operating record before human review. Guaranteed is considered only where evidence and capacity support it.
Then stop the same problem
becoming a chargeback.
The payee question becomes an order question.
Without shared evidence, the buyer, bank and merchant retell the same transaction.
Evidence for the control.
Never the compliance verdict.
BuyerProtection can contribute merchant-authorised facts to a bank's scam-control work. The bank still owns its policy, statutory interpretation and customer decision.
- Official channels & impersonation
- Signed official-domain manifests and private look-alike candidates after human review.
- Investigation record
- Purpose, source age, evidence digest, expiry, correction and revocation stay reconstructable.
- Affected customer path
- The Order Passport connects the payment to delivery, refund, issue and final response.
- Institution decision
- Confirmation of Payee, monitoring, warnings, reimbursement, IDR and reporting remain with the institution.
Start with merchant-owned data.
Begin with referred merchants and de-identified cases before connecting a core system.
- 01Merchant cohortConsented aggregate milestones only
The bank introduces a small cohort. Merchants own their accounts and authorise their own store evidence.
- 02Assurance sandboxInstitution reviews every customer outcome
Test de-identified unfamiliar-payee cases against signed, expiring assurance responses and measured error rates.
- 03Production accessJointly approved release
Security, privacy, continuity, contractual authority and independent review define the release.