Discover Merlin

 

Founded in May 2021, Merlin was built on a simple belief:


Financial technology should move as fast as the people who use it.

 

We began with a focus on digital wallets, a modern approach to simplifying payments, strengthening security, and enabling financial inclusion across Canada. But as finance evolved, so did we.

 

Today, Merlin stands at the forefront of digital-first financial transformation, helping banks, credit unions, and fintechs transition from legacy infrastructure to secure, intelligent, and connected ecosystems. Our suite of products is designed to unify payments, risk management, analytics, and customer engagement under one adaptive platform.

 

Meet Merlin Zap: real-time fraud defense for modern payments

 

 

 

Fraud doesn’t wait, and neither should your controls. Merlin’s fraud mitigation tool, Merlin Zap, analyzes every transaction as it happens, fusing supervised machine learning with an anomaly-detection layer to spot patterns humans miss. By looking at when a payment occurs, how much is moving, and where it’s coming from, Zap surfaces early warning signals before risk turns into loss. 

 

Here’s how it works behind the scenes: Zap ingests data from gateways, POS, and e-commerce systems, then scores each transaction in milliseconds using proprietary risk models. High-risk activity triggers instant alerts or automated holds, while low-risk flows through uninterrupted. A built-in feedback loop continually tunes thresholds to cut false positives and keep pace with fast-evolving tactics. So your protection gets sharper with every decision. 

 

The payoff is tangible: lower fraud losses, fewer customer headaches, and clean audit trails. Intuitive dashboards visualize trends, prioritize investigations, and generate in-depth reports for regulatory and compliance reviews—scaling smoothly as volumes grow. Whether you’re running an online marketplace, managing in-store POS, operating a subscription business, or safeguarding financial transfers, Merlin Zap plugs in to elevate trust without slowing growth. 

 

Stop chasing fraud after the fact. With Merlin Zap, you can outpace it. Turning real-time data into real-time defence.

At Merlin Solutions, we design intelligent, data-driven technologies that help businesses grow, adapt, and lead.

 

From digital payments to fraud prevention and operational automation, our solutions are built to enhance performance and unlock new opportunities. Discover how Merlin can power your next stage of growth—securely, efficiently, and intelligently.