Connexum addresses obligation compliance inside the card rails. Connexum Merchant addresses operational execution on the merchant side. Different audiences, different capabilities, different obligations.
A six-stage pipeline that enforces every regulatory SLA inside the card settlement network — automatically, in real time.
Reg E demands provisional credit within 10 business days. BSA SAR filings must clear within 30. OFAC freezes are instantaneous. Every missed deadline is a regulatory event with a dollar consequence — and manual reconciliation cannot keep up.
10-business-day dispute clock enforced per dispute, per participant. Starts automatically on intake.
Citation-anchored SAR detection. Case file auto-generated when threshold is met. No human in the detection loop.
Every settlement event screened. Same-day freeze on SDN match. Zero-tolerance on timing.
Stuck-transaction detection at 30 days. Batch reconciliation proof at 45 days. Both enforced without configuration.
Chain-of-custody written to an append-only ledger. Subject to independent attestation.
No participant infers any counterparty detail from Connexum outputs. Signals are aggregate and one-way.
Reads what the merchant already emits, finds where margin and time are leaking, and executes the fix — inside authority the owner granted once.
An owner with no staff cannot act on a queue of twenty correct findings. An advisory tool that hands them one is a new job, not a solution. Connexum Merchant executes. It does not advise.
Point-in-time forecast. Validated: 84% recall · 95% precision at conservative thresholds on real marketplace data.
Ranked watchlist on breadth signal. Never asserts a product is the cause — wrong 93% of the time on real data.
Unpaid invoices never enter the card rails. Module reads the ledger directly and escalates inside granted authority.
Reads processor response codes. Executes retry or card-update sequences within the authority ladder. No interchange tables used.
Identifies billing disputes and MCC mismatches against the merchant's own processor statement. Every figure traced to a line item.
Five real adapters across ledger, POS, payments, eCommerce, and field-service scheduling. Pre-qualified before each installation.
Connexum Merchant reads the SCP's merchant lane over HTTP — chargeback evidence, reconciliation position, and deviation signals flow directly into the execution engine. The products operate independently. The data contract is the only connection between them, and it crosses no silo boundary.