Coris

Coris is built for a specific, expensive problem: merchant risk at scale. Most payment companies start with a fraud tool for payer-side card fraud, a spreadsheet for underwriting, and a queue for alerts, then discover those three things don't talk to each other. Coris replaces them with one system where Merchant Intelligence aggregates external signals, proprietary fraud models, and your own data into a merchant profile that gets reassessed continuously. The differentiators are concrete. Transaction Monitoring scores card and ACH payments in real time using merchant and transaction signals rather than payer data alone — that's a meaningfully different lens, because merchant fraud (bust-out, sudden volume spikes, website pivots) doesn't look like stolen-card fraud. Website monitoring checks merchant compliance against configurable rules, which is the kind of ongoing verification sponsor banks actually need. The Risk Platform supplies the operational layer: custom rules and actions, a signal library spanning identity, behavioral, and transaction signals, case management with prioritization and assignment, account tags, merchant rollups across volume, chargebacks, and refunds, an Exposure Calculator for real-time financial exposure, reporting on team productivity and rule outcomes, and an audit trail. The AI layer is split sensibly. AI Assistants research merchants, explain patterns, and summarize cases so analysts decide in minutes rather than hours. AI operator agents go further and take action — decisioning alerts, pausing payouts, resolving routine cases end-to-end — within playbooks you configure, with audit trails. Auto-approval handles low-risk merchants instantly while edge cases route to your team. Customers consistently describe fast onboarding with minimal integration (Kustom's Robin Hammar cites no lengthy setup; Autura's Tessa Swier praises getting structure and coverage without building internal tools or hiring a full-time risk team), and Kajabi's payments risk lead highlights continuous, multi-touch portfolio visibility across thousands of sellers. The recent Salesforce integration is genuinely useful for revenue-adjacent underwriting: merchant and opportunity data flow into underwriting and decisions sync back automatically, which removes a manual copy step between risk and sales. Coris MCP is the more unusual move — it exposes merchant risk data to ChatGPT and Claude, so an analyst can query a portfolio or investigate a single merchant from a chat session instead of another dashboard tab. Both shipped in September 2026 per the vendor blog. Where it doesn't fit: businesses whose fraud problem is payer-side rather than merchant-side will pay for a lot of merchant context they don't need. Low-volume processors monitoring a few dozen merchants a month are better served by something lighter. Teams without a documented risk policy have nothing to encode into rules and agent playbooks, so the AI layer has less to work with.