MIDAS

The credit score for merchant accounts

MIDAS scores the health of every MID on a single 0 to 100 scale, built across the full transaction lifecycle, so you always know what is strong, what is slipping, and where to move next.

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MID-8472 94 Stable · VAMP 0.12%
  • MID-8472
    94
  • MID-3291
    72
  • MID-1029
    32

A single 0 to 100 health score per MID

One clear number tells you the health of any account at a glance, no spreadsheet required.

Predictive risk

MIDAS does not just report the past. It projects where an account is heading so you can act early.

Fast and safe scaling decisions

Know which accounts can take more volume and which cannot, and scale with confidence.

Shared risk language

One score everyone understands, so merchants, ISOs, and acquirers speak the same language.

You always know where to put volume

A single 0 to 100 health score per MID

Every account gets one clear score, so anyone can read account health in seconds.

MID Health Scores
  • MID-8472 94
    +3 pts
  • MID-3291 72
    -5 pts
  • MID-1029 32
    -12 pts

Predictive risk, not just historical metrics

MIDAS forecasts where an account is trending and flags the day it is likely to hit a critical threshold, so you act before it does.

MID-3291
Current 72
Projected 58

Projected to cross warning threshold in 11 days

11 days to threshold

Faster underwriting and safer scaling decisions

Turn a process that used to take weeks into one that takes minutes, with a health score that makes the call obvious.

Scaling decision
MID-8472 94/100

Approve additional volume

$250K/mo available

Shared risk language across merchants, ISOs, and acquirers

One score that every party in the chain understands, so risk conversations start from the same place.

One score, every party
  • Merchant MID-8472 · 94/100
  • ISO Portfolio avg · 87/100
  • Acquirer Book health · 91/100

Trust & security

No co-mingled data

Per-merchant, per-MID isolation

Processor & gateway agnostic

Zero conflicts of interest

Read-only data ingestion
No custody of funds
Deterministic and explainable decisions
Built to run safely inside existing payment stacks

See RouteSense in action

Bring your accounts, your gateways, and your data into one platform. We will show you where your approvals are leaking and how much you can win back.

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