LegitScript

What LegitScript does

LegitScript is a Portland, Oregon-based compliance and merchant risk management company founded in 2007 that serves payment companies, financial institutions, digital platforms, and healthcare merchants. The company's core products are organized into three solution lines: Merchant Risk Solutions (onboarding, continuous monitoring, transaction laundering detection, MCC detection, content scanning, KYB verification, and merchant URL identification), Platform Risk Solutions (ad monitoring for search engines and social platforms, plus marketplace monitoring for e-commerce), and Industry Intelligence Solutions (intel reports, data lookups, and risk advisory retainers). It also runs certification programs for healthcare, addiction treatment, and CBD merchants that enable those businesses to advertise on Google, Meta, Microsoft, LinkedIn, and TikTok and to process payments under card-network high-risk merchant rules.

The platform combines proprietary machine learning models, AI-powered crawling (including the Fluxguard website change detection engine developed with the US Air Force), and a human-in-the-loop review process staffed by 100+ investigative analysts who validate automated findings. The underlying database covers millions of websites, billions of data points, 250,000+ healthcare product classifications, and regulatory intelligence from 100+ countries and 175+ regulatory bodies. LegitScript is one of a small number of registered Mastercard Merchant Monitoring Program providers and holds Visa, Google, Meta, and other platform endorsements that function as regulatory entry barriers.

Revenue is generated primarily through recurring subscriptions: merchant risk monitoring subscriptions, healthcare merchant certification fees, platform risk solutions for ad/marketplace monitoring, and annual retainer advisory services. Pricing is not publicly disclosed; the company runs a freemium pilot (5 free merchant risk scans) and quote-based enterprise contracts, supported by an API with webhooks and a self-serve certification portal. LegitScript is privately held under LegitScript LLC, with private equity backing from TJC and two wholly-owned acquired subsidiaries (Fluxguard, 2023; Kompliant, 2025).

Name

LegitScript

Legal name

LegitScript LLC

Website

https://legitscript.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

LegitScript is a Portland-based compliance and merchant risk management company that combines AI and 100+ expert analysts to help payment companies, banks, platforms, and healthcare merchants detect fraud, monitor transactions, and meet regulatory requirements across 100+ countries.

Ownership category

akta.pro rank

Product category

Merchant Risk and Compliance Software

NAICS

Investigation and Personal Background Check Services (561611), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ)

akta.pro secondary industries

KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB), Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), KYC/KYB, Identity Verification & Customer Due Diligence (FSAFAOAE)

Keywords

• Merchant risk monitoring
• Payment compliance solutions
• Healthcare merchant certification
• Transaction laundering detection
• Marketplace risk management

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Merchant Risk Monitoring Subscription: Recurring subscription services for merchant monitoring, transaction laundering detection, and portfolio risk management. Provided as part of Mastercard MMP compliance requirements.
2. Healthcare Merchant Certification: Certification services for healthcare businesses, pharmacies, addiction treatment centers, and CBD companies to enable advertising and payment processing permissions.
3. Platform Risk Solutions: Ad monitoring and marketplace monitoring services for platforms such as Google, Meta, Microsoft, TikTok, and LinkedIn to identify violative content.
4. Industry Intelligence Products: Intel reports, data lookups, and risk & policy advisory services providing regulatory intelligence and expert advisory hours.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

LegitScript provides AI-powered merchant risk monitoring, transaction laundering detection, and KYB verification for payment companies, banks, and payment facilitators. It also runs certification programs for healthcare, addiction treatment, and CBD merchants, enabling them to advertise on Google, Meta, Microsoft, TikTok, and LinkedIn and to process payments through Visa and Mastercard-compliant channels. The platform combines proprietary machine learning with 100+ expert investigative analysts to scan millions of websites and billions of data points across 60+ high-risk verticals and 100+ countries.

Product overview

LegitScript operates as a unified AI-powered compliance and merchant risk management platform offering both Merchant Risk Solutions and Platform Risk Solutions. The core Merchant Risk Solutions include Merchant Onboarding and Merchant Monitoring modules, with sub-products for MCC Detection, Content Scan, Merchant Match, KYB Checks, and Merchant URL ID. The Platform Risk Solutions encompass Ad Monitoring and Marketplace Monitoring. The portfolio also includes Industry Intelligence Solutions (Intel Reports, Data Lookups, Risk & Policy Advisory) and the acquired Fluxguard brand for website change detection. In October 2025, LegitScript acquired Kompliant, a compliance orchestration platform for financial services, to build a unified AI-driven platform combining risk intelligence with compliance workflow automation. The company also offers certification programs for Healthcare, Addiction Treatment, and CBD merchants, enabling them to advertise on major platforms and process payments.

Differentiator

Problem solved

Functional benefit

Brands

• Fluxguard: AI-powered website change detection platform for regulatory compliance, competitive intelligence, defacement monitoring, and brand safety.

Products and services

• Merchant Onboarding AI-powered merchant risk assessment solution for payment service providers, ISOs, and sponsor banks that accelerates merchant approvals with rapid risk detection, content scanning, MCC detection, and KYB verification.
• Merchant Monitoring Continuous merchant portfolio monitoring that scans website content for violations across 60+ high-risk verticals in 100+ countries and 18 languages, with real-time transaction laundering detection. Authorized Mastercard Merchant Monitoring Program (MMP) provider.
• Transaction Laundering Detection Expert analyst-driven investigation and confirmation of transaction laundering schemes using nearly two decades of historical merchant data to identify complex fraud patterns.
• MCC Detection AI-powered merchant category code (MCC) assignment and recommendation engine that identifies correct MCCs in 30 seconds to prevent misclassification and reduce compliance penalties.
• Merchant URL Identification Merchant website URL identification service that enriches merchant datasets with accurate URLs reviewed by expert analysts to reduce risk exposure and optimize monitoring.
• Healthcare Merchant Certification Certification program for pharmacies, telemedicine providers, and healthcare merchants recognized by Visa, Mastercard, Google, Meta, Microsoft, and other platforms to enable advertising and payment processing permissions.
• Addiction Treatment Certification Certification enabling drug and alcohol addiction treatment providers to advertise on Google, Microsoft, and Meta platforms.
• CBD Certification Certification enabling CBD product merchants to advertise on Google, Microsoft, and Facebook platforms and to process payments.
• Ad Monitoring Solution for search engines and social platforms that identifies and flags violative paid advertisements across the web to enable swift removal and reduce risk exposure.
• Marketplace Monitoring Detects prohibited or risky product listings on e-commerce marketplaces to protect platforms and maintain safe buyer experiences.
• Intel Reports Forward-looking regulatory intelligence reports on emerging high-risk products and trends, helping marketplaces, ad platforms, and payments companies anticipate threats.
• Data Lookups Real-time access to LegitScript's database of 250,000+ healthcare product classifications and regulatory information from 100+ countries.
• Risk and Policy Advisory Annual retainer offering specialized research and advisory hours for Risk, Compliance, Policy, and Trust & Safety teams across 60+ high-risk verticals.
• Fluxguard Website Change Detection AI-powered website change detection platform used for regulatory compliance, competitive intelligence, defacement monitoring, privacy compliance, and brand safety. Developed in partnership with the US Air Force.
• Kompliant Compliance Platform Compliance orchestration platform for banks and financial services providers that automates underwriting and compliance workflows across the merchant lifecycle.
• Automated KYB Checks Automated KYB verification service consolidating global business registration confirmation across 120+ countries, US TIN verification with IRS records, and sanctions screening into a single structured view.

Quantifiable outcome

• 137% year-over-year growth in Enterprise Certification program
• +5 more outcomes

Named customers15 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• GooglecoreGTM or Marketing Partner · 9 April 2026LegitScript expanded its partnership with Google to certify pharmacies in India and telemedicine providers in New Zealand, enabling these businesses to advertise on Google Ads upon meeting certification standards. This supports the growing online pharmacy and telehealth markets.
• KompliantcoreStrategic or Co-development Partner · 27 October 2025Kompliant was acquired by LegitScript in October 2025. It is a compliance orchestration platform for banks and financial services providers. The acquisition aims to unite AI-driven risk monitoring with comprehensive compliance workflow automation to improve efficiency, reduce onboarding time, and enable scalable growth across the merchant lifecycle.
• FluxguardcoreStrategic or Co-development Partner · 11 July 2023Fluxguard was acquired by LegitScript in July 2023. It is an AI-powered website change detection tool that monitors websites for regulatory compliance, competitive intelligence, defacement monitoring, and brand safety. The acquisition enhanced LegitScript's website monitoring capabilities.
• Meta (Facebook)coreGTM or Marketing PartnerMeta recognizes LegitScript certification for healthcare businesses, addiction treatment, and CBD companies that want to advertise on Facebook and Instagram. LegitScript is a trusted certification provider for Meta's advertising policies.
• MicrosoftcoreGTM or Marketing PartnerMicrosoft recognizes LegitScript certification for healthcare and CBD advertisers wanting to advertise on Microsoft Advertising (Bing). Part of the trusted certification ecosystem.
• LinkedIncoreGTM or Marketing PartnerLinkedIn recognizes LegitScript certification for telemedicine providers and healthcare businesses that want to advertise on the platform. Part of the trusted certification network.
• TikTokcoreGTM or Marketing PartnerTikTok recognizes LegitScript certification for healthcare merchants and telemedicine providers advertising on the platform. Part of LegitScript's platform certification network.
• MastercardcoreStrategic or Co-development PartnerLegitScript is a registered Mastercard Merchant Monitoring Program (MMP) provider - one of the few companies authorized to deliver persistent merchant monitoring and transaction laundering detection at scale for Mastercard.
• VisacoreStrategic or Co-development PartnerVisa officially recognizes LegitScript for providing certification for card-not-present pharmacy merchants and telemedicine providers. LegitScript certification helps merchants comply with Visa high-risk merchant requirements.
• AmazonminorStrategic or Co-development PartnerAmazon uses LegitScript for marketplace monitoring to identify prohibited or risky product listings and protect the platform's brand.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Verifi (Visa): Visa-owned transaction and merchant risk solutions provider, including chargeback and dispute management. Direct functional overlap with LegitScript's merchant monitoring and transaction laundering detection, and uniquely positioned to threaten LegitScript's card network relationship.
• Ekata (Mastercard): Mastercard-owned identity verification and risk data provider, covering KYB and digital identity. Directly comparable to LegitScript's KYB and merchant risk data products, with deep card network integration.

Direct peers

• Riskified: Public e-commerce fraud and chargeback prevention platform serving merchants and payment processors. Highly comparable in targeting PSPs/payfacs with AI-powered risk decisioning for online merchants.
• Alloy: Identity decisioning platform for banks and fintechs covering KYC, KYB, AML, and fraud. Comparable API-first product surface and enterprise customer base.
• Sift: Digital trust and safety SaaS platform using AI to detect fraud and abuse. Comparable in serving payments, e-commerce, and marketplace customers with risk-scoring models.
• Signifyd: Commerce protection platform focused on fraud and abuse for online merchants and marketplaces. Comparable buyer persona (merchants, acquirers) and product surface area (transaction risk, merchant risk).
• Middesk: KYB-focused identity and business verification platform for fintechs and banks. Most direct pure-play competitor to LegitScript's KYB Checks product, with strong overlap in underwriting and onboarding workflows.
• Feedzai: RiskOps platform for financial crime detection covering fraud, AML, and compliance for banks and PSPs. Comparable in serving large banks and payment processors with AI-native risk models.
• Persona: Identity verification and KYC/KYB infrastructure provider serving fintechs, marketplaces, and platforms. Comparable in flexible API-first identity and business verification products.
• ComplyAdvantage: AML, KYC, and sanctions screening platform serving financial institutions and fintechs. Comparable in regulatory compliance data and customer base in payments and banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/legitscript
• Facebookfacebook.com/legitscript
• LinkedInlinkedin.com/company/legitscript-com

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LegitScript