Fast-Tracking Partner Monitoring in 10 Days with PerformLine

About the Client

This leading SMB buy now, pay later (BNPL) fintech works with hundreds of merchants across a range of service industries—like home improvement, healthcare, and professional services—to offer flexible financing options at the point of sale. As the company grows and partners banks to fund its loans, maintaining strong compliance across its merchant network has become a top priority

Business Challenges

This growing fintech needed a scalable way to ensure its merchants were using the correct disclosures in their marketing and websites. Manual review efforts weren’t efficient, and limited internal resources made it hard to expand oversight.

As they looked to partner with more mature banking institutions, the company needed a plug-and-play compliance solution—one that was low-lift, fast to deploy, and could demonstrate control over its expanding merchant network.

The Goals

• Increase visibility across thousands of merchant pages at scale
• Identify and remediate high-risk language like “0% interest,” “same as cash,” and other UDAAP violations
• Launch a compliance monitoring program quickly to support more partnerships with mature banking institutions

Why PerformLine

The fintech chose PerformLine for its plug-and-play compliance technology built for speed and scalability. The platform delivers:

• Automated web monitoring across merchant marketing pages
• Discovery capabilities to surface previously unknown content
• Customizable rulebooks to flag banned terms, disclosure gaps, and other potential issues
• Fast implementation, with a live program and real value in just 10 days

The Process

The PerformLine onboarding playbook makes it easy to go from zero to full compliance visibility quickly. For this fintech, it included:

• Kickoff and planning: Aligned on goals, shared key information, and confirmed which merchant pages to monitor
• Content discovery: Crawled merchant sites to identify where and how the BNPL product was being promoted
• Rule setup: Built rules and customized PerformLine rulebooks to flag missing disclosures and high-risk terms
• Workflow design: Created a step-by-step process for reviewing, managing, and resolving flagged items
• Training and go-live: Delivered a live training and handed off a fully operational platform for ongoing use
  
  

Early Wins: Proving Value in Week One

By the second week, this fintech was already seeing the value:

• The platform flagged a violation from a merchant that the lender had already asked to fix, confirming it hadn’t yet been addressed, and allowed for quick follow-up
• Another compliance issue was found and resolved within a week, showing how quickly the team could take action using the platform
• By the end of onboarding, almost 40 items were in the workflow for review, giving the team a clear view of what needed attention