VIRP and BRAM Compliance Checks

Avoid card network fines
Verify compliance at scale
Monitor continuously

What are VIRP Checks?

VIRP (Violation Identification & Risk Profiling) checks are automated compliance assessments that verify merchants in high-risk categories meet card network requirements. These checks are essential for payment processors working with adult content platforms, gambling sites, pharmaceuticals, and other regulated businesses.

VIRP Risk Tiers

SafetyKit categorizes merchants into risk tiers:

Tier 1 (Highest Risk):

• Explicit adult content
• AI-generated adult content
• Dating and escort services
• Online gambling - games of chance
• Pharmacies without proper licensing

Tier 2 (High Risk):

• Cryptocurrency merchants
• Quasi-cash services
• Money transfer platforms

Tier 3 (Moderate Risk):

• Non-explicit adult content
• Skill-based gaming
• Subscription services with adult elements

VIRP Compliance Requirements

For high-risk platforms, SafetyKit verifies critical compliance safeguards including identity verification, consent documentation, and proper complaint handling processes.

What are BRAM Checks?

BRAM (Brand Risk Assessment & Monitoring) checks analyze merchant product catalogs for brand violations, counterfeits, and trademark infringement. These automated reviews protect payment processors from facilitating illegal commerce.

BRAM Detection Areas

• Adult Content Analysis:
  • AI-generated adult imagery
  • Content type classification
  • Prohibited fetish categories
• Brand Protection:
  • Counterfeit product detection
  • Trademark infringement
  • Unauthorized brand usage
• Product Compliance:
  • Pharmaceuticals and supplements
  • Medical devices
  • FDA-regulated products

SafetyKit's Automated VIRP/BRAM Process

SafetyKit combines automated analysis with expert verification to ensure comprehensive compliance coverage:

1. Risk Categorization: Identifies merchants requiring detailed compliance verification
2. Compliance Validation: Verifies required safeguards are properly implemented
3. Control Testing: Validates security measures and age verification systems

Customer Success Story

Leading creator platform saved millions in card network fines with offsite link reviews:

A membership platform with 100M+ users needed to verify creators weren't linking to prohibited offsite content. Manual review was impossible at scale, risking millions in card network fines. SafetyKit's automated link verification and VIRP checks enabled comprehensive compliance monitoring across their entire creator base.

Results:

• Millions in potential card network fines avoided
• 100% creator coverage for offsite link compliance
• Automated VIRP requirement verification
• Continuous monitoring of creator content

Scale and Speed

Manual VIRP audits take compliance teams days or weeks per merchant. SafetyKit completes comprehensive VIRP and BRAM checks in minutes, processing millions of merchants monthly with consistent, expert-level analysis. Detect non-compliant platforms before onboarding, protecting payment processors from regulatory penalties.