YOU WORKED HARD TO BUILD IT
Find the Gaps Before Criminals Do
A vulnerability you don't know exists could put your money, information, operations or the company itself at risk. Merchant Protection Audit helps established businesses uncover the payment, technology, recovery and insurance-readiness gaps that are easy to miss.
For established businesses with meaningful financial, data or operational exposure.
A cause we support: Rock Against Trafficking.
WHAT ONE MISTAKE CAN COST
You Spent Years Building It. A Criminal May Need Only Minutes to Damage It.
You built your business through years of work, sacrifice and difficult decisions. Criminals do not need to defeat every protection surrounding it. They may need only one rushed employee, one familiar-looking vendor email or one unverified change in banking instructions.
Money can be redirected before anyone realizes something is wrong. Operations can stop. Customers can lose confidence. Everything you worked to build can suddenly be placed at risk.
ONE CONVINCING EMAIL
ONE CHANGED ACCOUNT
ONE UNMET REQUIREMENT
You do not have to wait for something bad to happen to discover where your protection is weak. Merchant Protection Audit helps you understand your exposure, identify gaps and prioritize practical protective actions.
ORDINARY THINGS, UNEXPECTED EXPOSURE
Protected — or Assuming You Are?
Many businesses believe they are protected because they have one or more of these. Each matters. None of them, on its own, means the business is adequately protected.
Antivirus software
Backups
An IT provider
Cyber insurance
Equipment from your internet provider
The question is not whether you have protections. It is whether they work together the way you assume they do.
Is Merchant Protection Audit Built for Your Business?
The greatest exposure exists where substantial amounts of money move between employees, customers, vendors, banks and outside professionals. One convincing email, changed payment instruction or overlooked policy requirement can create a serious financial loss.
Commercial Property Management
Construction, Development and Restoration
Manufacturing and Distribution
Dealerships and High-Value Equipment Sales
Multi-Location and Franchise Operations
Professional Firms Handling Client Funds
You Are Likely a Good Fit If:
- Meaningful amounts of money move electronically through your business each month.
- Employees or outside bookkeepers initiate or approve payments.
- Vendors send invoices or banking changes through email.
- Your business uses ACH payments or wire transfers.
- You carry cyber insurance.
- You do not have a dedicated internal cybersecurity and compliance department.
Merchant Protection Audit is designed for established organizations with meaningful financial exposure. It is generally not intended for solo operators or very small businesses where the owner personally controls every payment.
Are You as Protected as You Think?
Criminals can impersonate vendors, take over email accounts, redirect payments, or shut down computer systems.
Many business owners believe their technology and cyber insurance will protect them. But insurance policies often require the business to follow specific security procedures and maintain evidence that those safeguards were in place. If requirements are missing, a claim could be reduced or denied.
What We Do Differently
Most providers examine only one part of the problem. Merchant Protection Audit examines how your technology, employees, vendors, payment procedures, backups, incident-response plan, and insurance requirements work together.
You receive a clear report showing what appears protected, where the gaps are, and what should be addressed first.
Know where your protection could fail before you need it.
The problem
One believable email can redirect a legitimate payment
Criminals increasingly impersonate vendors, employees, executives, and trusted partners. They may change banking instructions on a real invoice, compromise a vendor's email account, impersonate someone inside your company, trick an employee into approving a payment, or exploit a gap your insurance policy requires you to close.
Changed banking instructions
Compromised vendor email
Employee impersonation
Ransomware and operational shutdown
What happens if the payment looks legitimate until the real vendor asks, “Where is our money?”
Recent warning
A $250,000 payment was redirected to criminals
In a recent pharmaceutical transaction, criminals impersonated a legitimate vendor and inserted false bank details into an existing email conversation. Approximately $250,000 was transferred to the wrong account. The money was recovered only because the fraud was discovered quickly and the companies immediately coordinated with law enforcement and their banks.
The City of Hamilton, Ontario, spent approximately $18.3 million recovering from a cyberattack. Its cyber-insurance claim was denied after required security controls had not been fully implemented.
Insurance is a contract. Protection is a process. Both must be verified before the crisis.
What we do
We find the expensive gaps while they are still inexpensive to fix
The Merchant Protection Audit examines the complete chain protecting your money, including your people, email, devices, financial permissions, payment procedures, backups, insurance obligations, documentation, and incident response.
01
Email and identity security
How your email accounts and identities are protected and monitored.
02
Employee access and permissions
Who can reach which systems, and what happens when roles change.
03
Vendor onboarding and payment changes
How a new vendor or a changed bank account gets accepted.
04
Banking and payment approvals
The approval chain that stands between a request and a transfer.
05
Devices and network protection
The computers, phones, and network your money passes through.
06
Backups and recovery
Whether you could actually recover, and how long it would take.
07
Employee fraud awareness
Whether your people can recognize and stop a believable request.
08
Cyber-insurance requirements
The controls your policy assumes you already have in place.
09
Incident-response readiness
What happens in the first hour after something goes wrong.
10
Documentation and evidence
Proof that safeguards exist and are maintained over time.
THE EXPERIENCE BEHIND THE METHOD
Built on Real-World Enterprise Technology Experience
The Merchant Protection Audit methodology is informed by hands-on experience designing, supporting and recovering business-critical technology — not just checklists.
- Cybersecurity
- Enterprise storage
- Backup and recovery
- Disaster recovery
- Networking
- Servers
- Mission-critical infrastructure
- Systems integration
- Technology workflows
- IT consulting and support
Deliverables
What you receive
- Pass/fail findings
- Priority risk summary
- Estimated exposure areas
- Insurance-readiness observations
- Immediate protective actions
- Prioritized corrective-action plan
- Optional implementation proposal
Who we serve
This is for businesses that move meaningful money
- Receive or pay meaningful amounts electronically each month
- Pay vendors electronically
- Have multiple employees or financial users
- Depend on email for invoices and approvals
- Operate multiple locations or legal entities
- Store valuable customer or company information
- Carry cyber insurance or assume they are protected
- Cannot afford to lose a major payment or shut down operations
Why trust us
Why should you trust us with this?
Merchant Protection Audit was created by Make Your Money Multiply, LLC, in collaboration with an enterprise systems and security operator.
Make Your Money Multiply helps business owners become more profitable, efficient, and valuable. That work led to an obvious question: as a business becomes more successful and moves more money, how does it protect that money from criminals, mistakes, and preventable system failures?
Our technical collaborator brings hands-on systems-architecture and enterprise technology experience, including systems integration, workflow engineering, security solutions, installation, and technical support.
Together, we combine business-owner perspective with technical systems expertise to help identify where a merchant's money, people, processes, technology, and insurance requirements may not be working together.
We are not claiming that any audit can prevent every attack or guarantee an insurance payment. Our job is to help you discover the gaps, prioritize the corrections, and create evidence that important safeguards are being addressed and maintained.
Process
A simple four-step process
- 1
Apply
Answer a few questions about your business, systems, payments, and exposure.
- 2
Scope
We confirm the appropriate audit level and price.
- 3
Audit
We review the agreed areas, interview responsible people, and examine available documentation.
- 4
Decide
You receive your report and may correct the findings independently or ask us to help implement and maintain the protection.
Pricing
Audits start at $2,500
Your exact price depends on the size and complexity of your business. Payment volume, users, locations, entities, financial systems, customer-data exposure, and insurance requirements all affect the scope.
Merchant Protection Review
Starting at $2,500
A focused review for smaller operations with a single entity and a straightforward payment process.
Most requested
Merchant Protection Audit
Starting at $5,000
The full audit across all ten areas, including interviews and documentation review.
Complex or Enterprise Audit
Custom scope
For multiple entities, multiple locations, several banking platforms, or elevated data exposure.
- Three-year protection agreement: 50% audit credit toward eligible implementation services.
- Five-year protection agreement: 100% audit credit toward eligible implementation services.
- Credits apply to eligible services and are not cash-refundable.
Business Owner's Money Protection Checklist
A free list to spot where money, data and operations may be exposed.
Did we help? Pay the value forward.
If you found value here and choose not to work with us, consider supporting Rock Against Trafficking.
Find out before the money disappears
A $2,500 or $5,000 audit may feel expensive. It feels very different when compared with a $250,000 vendor payment sent to criminals, weeks of operational disruption, a ransomware recovery bill, or an insurance claim denied because a required control was missing.
You do not need to guess whether your business is protected. You can test it.