> ## Documentation Index
> Fetch the complete documentation index at: https://docs.roe-ai.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Risk Analysis

> Analyzes merchant risk profiles for underwriting and compliance purposes.

## Merchant Risk Analysis Engine Overview

The Merchant Risk Analysis Engine performs comprehensive risk assessments of merchants for payment processing, underwriting, and compliance purposes. It evaluates business legitimacy, online presence, social media, domain analysis, and potential risk factors.

## Engine Inputs

The Merchant Risk Analysis Engine Configuration has the following parameters:

* **merchant\_url**: *optional.* The merchant's website URL to analyze. Required if merchant\_address is not provided.
* **merchant\_name**: *optional.* The merchant's business name.
* **merchant\_address**: *optional.* The merchant's physical address. If provided without a URL, the engine will search Google Maps to find the official website.
* **risk\_assessment\_config**: *optional.* Configuration for which risk metrics to evaluate.

<Note>At least one of **merchant\_url** or **merchant\_address** must be provided.</Note>

See [Template Strings](/agents/input-definition#template-strings) for dynamic parameter configuration.

## Engine Output

The output includes a comprehensive merchant risk assessment:

```json theme={null}
{
  "merchant_info": {
    "url": "https://merchant.com",
    "social_media_handles": {}
  },
  "business_details": {
    "name": "Merchant Name",
    "description": "Business description"
  },
  "risk_assessments": {
    "overall_risk_score": 35,
    "overall_risk_level": "LOW | MEDIUM | HIGH",
    "summary": "Risk assessment summary",
    "recommendations": ["Recommendation 1", "Recommendation 2"]
  },
  "risk_metrics": [
    {
      "name": "Metric Name",
      "score": 25,
      "reasoning": "Assessment reasoning"
    }
  ],
  "social_media_analysis": {},
  "domain_analysis": {},
  "business_litigation_analysis": {},
  "product_analysis": {},
  "product_categories": ["Category 1", "Category 2"]
}
```

## Example Usage

<Steps>
  <Step title="Create an Agent">
    Click on the "Add Agent" button in the top right corner of the Agents page.

    <Frame>
      <img src="https://mintcdn.com/roeai/qeWYCF2quzHQHhsD/images/add-agent.png?fit=max&auto=format&n=qeWYCF2quzHQHhsD&q=85&s=b3e1ec9b816ed1e57cb1ecfa53ff4288" width="1920" height="1045" data-path="images/add-agent.png" />
    </Frame>

    Enter a name and an optional description of your Agent.
  </Step>

  <Step title="Select the Merchant Risk Analysis Engine" />

  <Step title="Configure the engine">
    <Info>\$ starts a template string</Info>

    * **merchant\_url**: \$merchant\_url
    * **merchant\_name**: \$merchant\_name
    * **merchant\_address**: \$merchant\_address
  </Step>

  <Step title="Create the Agent">
    Hit the **Create** button.
  </Step>

  <Step title="Run a job">
    Create a new job and provide merchant information for risk assessment.
  </Step>
</Steps>

## Risk Assessment Areas

The engine evaluates merchants across multiple dimensions:

* **Website Analysis**: Content quality, legitimacy indicators
* **Social Media Presence**: Platform verification, activity patterns
* **Domain Analysis**: Registration history, WHOIS data
* **Business Litigation**: Legal history, court records
* **Product Analysis**: Product legitimacy, pricing patterns

## Use Cases

* **Merchant onboarding**: Assess new merchants before approval
* **Periodic reviews**: Re-evaluate existing merchant risk profiles
* **Compliance monitoring**: Ensure merchants meet regulatory requirements
* **Underwriting decisions**: Support automated underwriting workflows
* **Portfolio risk management**: Assess overall merchant portfolio risk