Question 1

What is 1Layer and who is it for?

Accepted Answer

1Layer is the payments intelligence platform for settlements, fees, merchant enrichment, and fraud. It's built for product and design teams, payment operations, data and engineering, and finance and treasury at payment processors, banks, fintechs, and e-commerce businesses.

Question 2

What file formats does 1Layer support?

Accepted Answer

We ingest MT940, SEPA XML (Pain.002, camt.053), SWIFT MT103/MT202, Visa VSSS, Mastercard fee files, Amex GNS, ACH, JSON webhooks, and custom CSV/Excel formats. If your format isn't listed, we can add it, usually within days.

Question 3

Do we need to integrate before evaluating?

Accepted Answer

No integration is required to get started. Send your exported files, settlement reports, fee files, bank statements, and we'll return a full platform walkthrough of your own data within hours. When you're ready, connect via REST API, webhooks, SFTP, or email.

Question 4

How quickly does 1Layer detect an operational issue?

Accepted Answer

Missing settlements, breaks, and anomalies are surfaced in under 15 minutes of ingestion. Suggested causes, priority, owner assignment, and next steps are attached to each open issue automatically, no manual triage required.

Question 5

What does merchant enrichment actually return?

Accepted Answer

For every transaction we resolve the raw descriptor into a clean merchant name, a normalised 512x512 logo, a multilevel category, subscription status, and the payment provider behind the charge. It comes back in a single API response, ready to render directly in your app.

Question 6

How accurate is the merchant matching?

Accepted Answer

Descriptors are matched against a database of over 100 million merchants, resolving sub-brands, franchises, and gateways that hide the real merchant. Matching uses merchant context rather than MCC codes alone, so categorisation stays accurate where MCCs are wrong or missing. Match rate and coverage gaps are visible to your team at all times.

Question 7

Can we use our own categories and brand assets?

Accepted Answer

Yes. Start with our default taxonomy and adjust it to fit your product, or map our output onto categories you already use. Logos are delivered in a consistent format with a respected safe zone, whatever the source, so design teams can drop them straight into a transaction feed.

Question 8

Which teams use 1Layer?

Accepted Answer

Product & Design, Payment Operations, Data & Engineering, and Finance & Treasury. Each team gets a workspace view tailored to their workflow: clean names and logos for Product, investigation queues for PayOps, enrichment API and match rate monitoring for Engineering, and fee and financial reporting for Finance.

Question 9

Is 1Layer a replacement for our existing tools?

Accepted Answer

1Layer sits on top of your existing rails, processors, and acquirer relationships. It connects your settlement, fee, merchant, and bank data into one operational workspace, adding the investigation, intelligence, and workflow layer that current tools don't provide.

Question 10

What's included in the platform today?

Accepted Answer

Operations, Merchant Intelligence, and Reporting are live today. Fraud detection is our newest addition, built on the same merchant intelligence and shared network patterns. Everything is also available API-first for teams that want to build their own interface on top.

Payments data intelligence.

Extracting maximum value from payments data.

Reconciliation

Merchants Intelligence

Fraud

Assets Intelligence

Built for every team behind the transaction.

Tools to help you get started.

Pricing calculator

Security & support

Docs

Common questions.

Send us a file. Get your own data back, structured.