Platform Architecture
One Platform. End-to-End Inspection Control.
From merchant-led capture to audit-ready evidence. Every step orchestrated in a single workflow.
SoloTruth VirtuSpect + eDelta Consulting
Merchant inspections that satisfy examiners. No field visits required. Audit-grade evidence captured by merchants on their own device, backed by QSA-grade program design from eDelta.
For payment processors, acquirers, and PayFacs
The Problem
Traditional site visits are slow, inconsistent, and increasingly inadequate under card-brand scrutiny and PCI DSS v4.0 requirements.
Every day of delay is lost activation revenue and increased fraud exposure. Manual scheduling and field staff coordination compound the problem at scale.
Paper-based or generic inspector reports fail card-brand scrutiny. When an examiner asks for proof, there is no chain of custody to fall back on.
Acquirers and processors face rising fraud from shell merchants who pass application review but fail physical verification. Manual programs lack the scale to close this gap.
Inspection methodology varies by vendor and field staff. Without standardized, auditable workflows, there is no consistent basis for PCI-compliant merchant risk reporting.
How It Works
Merchants complete guided inspections on their own device. Every photo is verified at capture. eDelta adds QSA-grade attestation. You get a defensible record.
Merchants complete a guided inspection via mobile app. No scheduling, no field visit, no third-party coordination required.
Every photo undergoes 35+ authenticity checks with precision GPS verification at the moment of capture. Manipulation is technically impossible.
eDelta designs PCI-aligned inspection checklists and links evidence directly to card-brand and PCI DSS v4.0 reporting requirements.
Platform Architecture
From merchant-led capture to audit-ready evidence. Every step orchestrated in a single workflow.
Platform Capabilities
One platform from inspection order to signed-off record. Connects to your existing stack via API.
Supports the Customized Approach, Requirement 9, and BAU workflows. eDelta adds QSA-grade attestation to every inspection.
Order, provision, review, escalate, and approve every inspection from a single platform. Full audit trail from request to approval.
Connects to existing processor and acquirer platforms via API. No rip-and-replace. Fits behind your existing underwriting and onboarding logic.
Automatically re-inspect merchants when they change MCC, volume, or geographic footprint. eDelta refreshes risk profiles without a physical visit.
Geo-tagged, time-stamped, image-authenticated proof. Every record is defensible at the moment of examiner review, with no chain-of-custody gaps.
Purpose-built for hundreds of thousands of annual inspections via API. The same architecture proven at Celtic Bank scales to your full merchant portfolio.
The Partnership
SoloTruth VirtuSpect and eDelta Consulting each bring distinct, non-overlapping capabilities. Together, they close the gap between merchant applications and physical reality.
Provides the virtual inspection platform: merchant-led evidence capture, 35+ image authenticity checks, precision GPS verification, complete workflow orchestration, API integration, and a full audit trail from inspection request to signed-off approval.
Designs PCI-aligned inspection checklists and risk controls, provides QSA-grade program design and attestation, and links inspection evidence directly to card-brand and PCI DSS v4.0 reporting requirements. eDelta validates the evidence. VirtuSpect captures it.
Why This Matters Now
Three converging pressures are making manual merchant inspection programs untenable in 2026.
The Customized Approach makes virtual validation defensible for Requirement 9, when supported by an audit-grade evidence trail. This platform delivers exactly that.
Visa VARS and Mastercard SDP require ongoing acquirer merchant due diligence. Level 1 non-compliance penalties can reach $45,000 per missed deadline.
Acquirers and processors face growing pressure to verify merchant legitimacy at onboarding and continuously. Manual programs do not scale to meet that demand.
Proven at Scale
Celtic Bank, one of the largest SBA lenders in the U.S., is in production with SoloTruth VirtuSpect. The platform has completed 1,000+ SBA inspections. Cycle time dropped from 5 days to under 1, reducing loan closing time by approximately 4 days. Every inspection produces geo-tagged, image-authenticated, time-stamped evidence that exceeds SBA SOP requirements. The proven architecture (merchant-led capture, 35+ authenticity checks, full audit trail) applies directly to PCI merchant compliance at scale.
Book a 30-minute strategy call. We will show you how SoloTruth VirtuSpect with eDelta fits your current merchant risk program.
Book Your 30-Minute Strategy CallTim Harris, SoloTruth. tim.harris@solotruth.com