Onlayer provides a platform for merchant and vendor risk management targeted at acquiring banks, payment service providers, and enterprises. Founded in 2019, the company operates primarily in the EMEA and APAC regions, serving clients that include major financial institutions. The platform addresses merchant-related risks through four core capabilities: onboarding, monitoring, compliance management, and insights. The onboarding functionality helps financial institutions assess and approve merchants before they begin processing transactions. The monitoring component provides ongoing oversight of merchant activities to detect potential fraud or compliance issues. The compliance management tools help organizations maintain regulatory adherence across their merchant portfolios. The insights capability delivers analytics to support risk mitigation and identify growth opportunities. Onlayer's solutions are designed for the e-commerce and enterprise ecosystem, with particular focus on the financial services sector. The company's clients include acquiring banks that process payments for merchants, payment service providers that facilitate transactions, and large enterprises managing vendor relationships. The platform aims to help these organizations prevent fraud, manage regulatory compliance, and make data-driven decisions about merchant and vendor relationships. The company was founded by professionals with backgrounds in risk management, anti-fraud operations, and compliance. Onlayer maintains offices in Dubai, UAE and Ankara, Turkey, with an additional research and development facility in Ankara. The company offers partner programs for resellers, referral partners, and consulting firms that want to integrate merchant risk management capabilities into their service offerings.