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.