More than most teams realize, because the time is rarely tracked in one place. Onboarding reviews typically run 30 to 60 minutes per merchant when you account for pulling data from multiple sources, making a decision, and documenting it. Ongoing monitoring adds another 20 to 30 minutes per merchant per month for accounts that get reviewed. Across a portfolio of several thousand active merchants, that compounds quickly. The calculator lets you put your specific numbers in to see what that adds up to.

The calculator is designed to be directionally accurate, not precise. The loss exposure figure comes directly from your inputs, so its accuracy depends on how well your bad merchant rate and average loss figures reflect your actual experience. The manual review cost figure is based on the time inputs you provide and a 10% monthly monitoring review rate applied to your active accounts. Adjust any input that doesn't match your situation and the estimate updates immediately. For a figure you can defend internally, the best next step is a conversation with our team using your actual data.

Payment processors are built to move money, not to manage merchant risk. Their built-in tools cover the basics -- transaction monitoring, simple fraud rules -- but they can't give you the merchant intelligence layer that risk decisions actually depend on: business registration, website content, adverse media, litigation, online reputation. And even if they could surface those signals, they can't give you a system that's purpose-built to act on them. That means no ability to incorporate your own platform data, no rules engine tailored to your merchant mix, no workflows designed around how your team actually operates. Coris sits on top of your existing processor and provides both: the signals and the system to use them.

Some of our best-fit customers started with a single analyst or no dedicated risk function at all. The earlier you build the right infrastructure, the lower the cost of getting it wrong and the less you have to unwind later. A lean team without automated monitoring isn't carrying less risk than a larger one. They're carrying more, because they don't have the capacity to see what's happening across their portfolio. Coris is designed to let a lean team operate at the coverage level of a team twice its size. If the total cost figure in the calculator is meaningful relative to your current situation, it's worth a conversation.

Most customers see meaningful reductions in manual review time within the six months as onboarding and monitoring workflows get automated. The cost figures in this calculator represent your current estimated spend. Coris typically reduces the manual review component by 80% or more based on actual results. Weave reduced its time on manual reviews by 89% and Foundation Finance prevented over $100K in losses within their first year.