# Merchant Due Diligence Report (`sterlingverify/merchant-due-diligence-report`) Actor

One input, one onboarding risk pack: Companies House profile, officers & PSCs, UK Sanctions List screening, disqualified directors, Gazette insolvency notices, website compliance, payment stack and MCC check. Scored summary plus downloadable HTML & PDF report. Guidance only.

- **URL**: https://apify.com/sterlingverify/merchant-due-diligence-report.md
- **Developed by:** [Luke Mangan](https://apify.com/sterlingverify) (community)
- **Categories:** Business, Automation, Developer tools
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

$530.00 / 1,000 report generateds

This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events.

Learn more: https://docs.apify.com/actors/running/actors-in-store.md#pay-per-event

## What's an Apify Actor?

An Actor is a serverless cloud program that runs on the Apify platform. It has two run modes.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.

Apify vocabulary and the platform model are defined once, in the agent quickstart at https://apify.com/agents.md.

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.

Do not guess an integration path. Every one of them is in the agent quickstart at https://apify.com/agents.md: the Apify MCP server, Agent Skills with the Apify CLI, the JavaScript and Python clients, the REST API, and the account-free path for an agent with no human to sign in. It also carries the rule on stating cost before the first paid run.

For examples already wired to this Actor's own input schema, see the [API](#api) section below.

Each client library has reference documentation the quickstart does not restate: [JavaScript/TypeScript](https://docs.apify.com/api/client/js/docs.md) (`npm install apify-client`) and [Python](https://docs.apify.com/api/client/python/docs.md) (`pip install apify-client`).

# README

## Merchant Due Diligence Report - UK Onboarding Risk Pack

Give it a **UK company name or number** and (optionally) the **merchant's website**. It runs a full onboarding risk pack from free public sources and returns a **scored summary (0-100, LOW / MEDIUM / HIGH)** plus a **downloadable HTML and PDF report** you can attach to a case file.

### What's checked

| Check | Source |
|---|---|
| Company profile, status, overdue filings, insolvency history | Companies House API |
| Active officers & persons with significant control | Companies House API |
| Officers vs disqualified directors register | Companies House API |
| Company, officers & PSCs vs UK Sanctions List (fuzzy) | FCDO UK Sanctions List |
| Winding-up petitions, liquidations, administrations | The Gazette |
| T\&Cs, refund, privacy, contact, SSL, prohibited goods | Merchant website |
| Payment providers on the site | Merchant website |
| Likely MCC and high-risk MCC flags | Merchant website |

Same engines as our [UK Company Check](https://apify.com/sterlingverify/uk-company-check), [UK Sanctions Screener](https://apify.com/sterlingverify/uk-sanctions-screener), [Merchant Website Compliance Checker](https://apify.com/sterlingverify/merchant-compliance-checker), [Payments Stack Detector](https://apify.com/sterlingverify/payments-stack-detector) and [MCC Checker](https://apify.com/sterlingverify/mcc-checker), in one report.

### Input

```json
{"company": "00445790", "website": "https://www.tescoplc.com", "companiesHouseApiKey": "YOUR_FREE_KEY"}
```

No key? It runs a free demo on sample data (not charged). Get a free key at https://developer.company-information.service.gov.uk.

### Output

- Dataset: `riskScore`, `riskBand`, `recommendation`, `scoreBreakdown` (every point explained), full findings, `reportHtmlUrl`, `reportPdfUrl`.
- Key-value store: `report-<number>` (HTML) and `report-<number>-pdf`.

### Pricing

Pay per report: you are charged once per completed live report. Demo runs and failed lookups aren't charged.

### Disclaimer

**Guidance only.** Automated output from public sources and keyword rules. It isn't legal, compliance or credit advice and must not be the sole basis for an onboarding or sanctions decision. Confirm all potential matches manually (e.g. disqualified-director matches by date of birth).

# Actor input Schema

## `company` (type: `string`):

UK company number (e.g. 00445790) or registered name (best Companies House match is used).

## `website` (type: `string`):

Homepage URL checked for policies, SSL, contact details, prohibited goods, payment providers and likely MCC.

## `companiesHouseApiKey` (type: `string`):

Free key from https://developer.company-information.service.gov.uk. Without it the Actor runs a free DEMO on sample data (not charged).

## `assignedMcc` (type: `string`):

MCC you plan to assign; flagged if high-risk or inconsistent with the website.

## `sanctionsThreshold` (type: `integer`):

Higher = fewer, closer matches.

## `includePdf` (type: `boolean`):

HTML is always saved to the key-value store.

## Actor input object example

```json
{
  "company": "00445790",
  "website": "https://www.tescoplc.com",
  "sanctionsThreshold": 90,
  "includePdf": true
}
```

# Actor output Schema

## `results` (type: `string`):

No description

## `reports` (type: `string`):

No description

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "company": "00445790",
    "website": "https://www.tescoplc.com"
};

// Run the Actor and wait for it to finish
const run = await client.actor("sterlingverify/merchant-due-diligence-report").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = {
    "company": "00445790",
    "website": "https://www.tescoplc.com",
}

# Run the Actor and wait for it to finish
run = client.actor("sterlingverify/merchant-due-diligence-report").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print(f"💾 Check your data here: https://console.apify.com/storage/datasets/{run.default_dataset_id}")
for item in client.dataset(run.default_dataset_id).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "company": "00445790",
  "website": "https://www.tescoplc.com"
}' |
apify call sterlingverify/merchant-due-diligence-report --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "type": "http",
            "url": "https://mcp.apify.com/?tools=fetch-actor-details,sterlingverify/merchant-due-diligence-report"
        }
    }
}
```

The hosted server signs you in with OAuth on first connect, so no API token belongs in this config. Clients without OAuth support can send an `Authorization: Bearer <APIFY_API_TOKEN>` header instead, using a token from API & Integrations in Apify Console (https://console.apify.com/settings/integrations).

## OpenAPI specification

Download the OpenAPI definition: https://api.apify.com/v2/actors/SiWp0hg6Muw0yzyUj/builds/8NyqsqKclI1eJwjmo/openapi.json