Risky merchants is an option available in Paym.es for some merchants who might be marked manually by our legal team as Risky ( according to the local legal requirements) .

The buyer of the merchant will receive a confirmation link for all sales transactions made by this merchant , so the buyer can confirm that he received the product/ service from this merchant or report a problem with this purchase or report if this transaction wasn't done by him .

Buyer reposes scenarios :

If the buyer approved the purchase > the transaction will be proceeded with no issues.
If  the buyer  reported a problem > this will be delivered to the team internally so they can investigate the issue
If the  buyer didn't respond to the link > the transaction will be approved automatically after 24 hrs.

How can we know ( internally) the risky merchants ?
Go to your Paymes Admin Panel > Merchants Tab > Detailed search > them filter by "Risk status" >Risky and hit "Search" button.
So a list of the Risky merchants will appear .

Or when you search for the merchant by his User name / Email ...etc.
you can find the Merchant details and then under Risk tab check if he is marked as risk or not.