Envisso

Envisso (formerly Kinetic International) is a London-based fintech platform that helps payment companies — including acquirers, PSPs, payment facilitators, ISOs, and acquiring banks — turn merchant risk into a growth strategy. Its flagship product, Envisso Protect, provides tier-1 insurer-backed credit coverage that replaces rolling reserves and collateral requirements, enabling same-day onboarding of deferred delivery merchants such as those in travel, events, and hospitality. The platform combines AI-powered risk monitoring across 30+ data sources with automated workflows for continuous merchant credit, fraud, and compliance scoring. One major global acquirer using Envisso reduced chargeback exposure by 60% while tripling transaction volumes over 24 months.