Smart Check – Automatic Reverification

Smart Check is PayU LATAM’s automatic merchant reverification solution, designed to optimize compliance processes (KYC/AML).

With this feature, merchants update their information directly from the Merchant Panel, while the system automatically performs validations and screenings, reducing the manual workload of risk and compliance teams.

How does Smart Check work?

The reverification flow consists of the following steps:

1. Case creation

Reverification begins with the generation of a case, as follows:

  • Automatic: based on the frequency defined in the AML section of the merchant account.
  • Manual: in specific situations, such as reactivation processes.
  • Cases are initially assigned to the Automatic Reverification user.

2. Digital form

The merchant receives a form in the Merchant Panel and has up to 80 configurable days to complete it.

3. Automatic validations

The system performs the following processes:

  • Web Scraper: validates the economic activity against the registered website.
  • Adverse Media: searches for negative news, sanctions, or relationships with PEPs.
  • Identity Validation & OCR: verifies documents and legal representatives.
  • Risk matrix: is automatically generated and executed based on declared data and active subaccounts.

4. Result

At the end of the validations, the system determines the outcome of the case based on the findings.

  • Automatic approval: the case is closed if no alerts are detected.
  • Manual review: the case is assigned to analysts if any findings are detected (e.g., prohibited MCC, document inconsistencies, or sanctioned CRP).

Key benefits

The implementation of Smart Check provides significant advantages for both merchants and risk/compliance teams, streamlining the management of reverification processes.

  • Reduced manual effort in KYC/AML processes.
  • Automatic approval of low-risk cases.
  • Greater traceability and security in the reported information.
  • Flexibility in response times and management rules.

Case statuses

In Salesforce, cases move through the following statuses:

  • Created: Case created, form pending.
  • Waiting: Form available to the merchant.
  • Filled: Form completed and submitted.
  • Form Expired: The merchant did not respond within the timeframe.
  • Working: Validations in progress.
  • Close Approved: Case automatically approved.
  • Manual Review: Case assigned to analysts due to alerts or inconsistencies.

Additional considerations

When implementing Smart Check, it is important to consider certain operational aspects and limitations that may affect case management:

  • In Phase 1, the approved information is updated only in Salesforce. Integration with Admin is planned for Phase 2.
  • In multi-country operations, case creation may require manual management.
  • Some scenarios may trigger a manual review (for example, when Complif does not confirm the legal representatives in the Chamber of Commerce).
Last modified September 12, 2025: Documentation updates (e3cc26edc)