MerchantGuard™GuardScore™
Hit VAMP 1.0% and your processor shuts you down in 30 days. What's your ratio today?
Most merchants don't track VAMP until it's too late. GuardScore™ analyzes YOUR actual ratios—upload YOUR statements, get coached through fixes with YOUR data. Merchants under 70/100 lose $47K+ in frozen funds. Check your score now.
Both 100% Free • No Credit Card • Takes 60 Seconds
"GuardScore™ caught a VAMP violation before Stripe did. Saved my account from termination." — Sarah K, SaaS Founder
AI-powered compliance monitoring for payment processors
Get Your Exact GuardScore™ from Real Data
Upload your payment processor CSV for the most accurate risk assessment. Our AI analyzes your actual transaction data to calculate your precise GuardScore™.
Complete Know Your Business verification to unlock Founder Program rewards. All Premium tier rewards require KYB verification for fraud prevention—standard security practice for payment compliance tools.
Two AI Systems Working Together
GuardScore™ Risk Engine: Predicts your payment freeze risk based on 70,000+ synthetic merchant scenarios. Get your risk score (0-1000) and breach probability in 60 seconds.
PSP Matching Engine: Smart recommendations based on your profile. We analyze requirements from Stripe, PayPal, Durango, Adyen, PaymentCloud, and 8+ more processors to match you with PSPs that fit your industry, volume, geography, and risk profile.
Your data stays secure—processed client-side, nothing leaves your browser unless you sign up.
The Key Difference
Most AI compliance tools give you generic advice that could apply to anyone. Guard™ is different. It knows YOUR business.
"Here's how to implement RDR to reduce chargebacks. You'll need to sign up with Verifi or Ethoca, configure your dispute rules, and monitor the results..."
"You're processing $85K/month in gaming with 2.3% chargebacks. Here's how to implement RDR for YOUR business. At your volume, you'll prevent 284 disputes per month, saving $21,584. I'll walk you through it step by step using your Paynote data..."
Personalized to Your Actual Data
When you talk to Guard™, it already knows:
Guard™ learns from YOUR business data, so instead of generic compliance advice, you get:
"You're a gaming merchant in Brazil processing $85K/month. Your 2.3% chargeback rate is 206% above the VAMP threshold. Here's exactly what to do..."
Works with your payment processor
Also supports: Adyen • Authorize.Net • BlueSnap • Checkout.com • NMI
Keeping Merchants Alive
Payment processors shut down 100,000+ merchants every year. You could be next. Right now, your PSP knows your exact risk score but won't tell you—you'll only find out when they freeze your $47,000+ and ban you for 5+ years.
We built the intelligence layer PSPs have but won't share. Every merchant gets access to the same risk visibility that billion-dollar companies get: AI-powered PSP matching based on YOUR location, YOUR industry, YOUR risk profile. Not generic advice—actual processor names, regional rates, and approval probabilities for YOUR specific situation.
Unlimited Guard AI chat + 1 GuardScore assessment/month + monthly health check-ins (earn +100 GuardPoints) + PSP recommendations matched to your region (US, EU, LATAM, APAC, MENA) and industry. No credit card required. Takes 60 seconds.
AI-Powered Payment Risk Intelligence
Industry-leading ML predictions trained on 70,000+ agent scenarios—not rule-based guesswork. Every GuardScore™ uses AI-powered risk intelligence that adapts to real PSP behavior patterns.
*ML-powered predictions trained on 70,000+ synthetic merchant and agent profiles. More training data than any AI agent payment tool on the market. For educational purposes.
How It Works
Answer 11 Questions
Tell us about your business, volume, and current processor. Takes 90 seconds.
Get Your GuardScore™
Our proprietary ML algorithm analyzes your risk profile and gives you a score from 0-100. See where you stand.
Get Personalized Advice
Guard™ AI coach gives you step-by-step actions to improve your score and stay compliant.
Master Compliance While Protecting YOUR Business
Not boring PDFs—learn with YOUR data. Guard™ AI coaches you through VAMP, RDR, 3DS using YOUR chargeback rate, YOUR volume, YOUR processor. Real examples. Real compliance. Actually sink in.
AI Coach with YOUR Data
Guard™ learns VAMP, RDR, 3DS using YOUR actual business metrics. Not generic examples—YOUR compliance situation.
Earn GuardPoints™
Learn with YOUR data, earn points. Compete on the compliance leaderboard using YOUR real compliance knowledge.
A New Way to Learn
Not boring PDFs. Not generic quizzes. Real-time coaching with YOUR business data. Compliance education that finally works.
"Almost lost $47K to a funds freeze. GuardScore™ flagged my chargeback spike early—fixed it before Stripe locked my account. Avoided a 30-day hold."
Results vary by merchant. Estimate based on recent processing volume and typical hold durations.
Compliance Dividend™
Pay $247 for 3 months. Get the rest of the year FREE.
Complete all 3 months compliant → Unlock months 4-12 FREE ($891 value). You profit $644.
- • Verified month = Upload CSV + 5 check-in questions + full 21-question operational quiz. That's it!
- • Red GuardScore™? Still counts! We reward effort, not perfection. Green/Yellow scores earn bonus points, but everyone who tries gets credit.
- • Why we require the full quiz: We're giving you 9 FREE months ($891 value) - we need deep operational data to give you the best compliance insights
- • Credit issued once: Complete all 3 consecutive months → unlock 9 months FREE (months 4-12). Credits issued automatically after month 3.
- • Skip a month? No credit for that month. Pick back up next month and continue - we track your progress fairly!
- • Learning quizzes (VAMP, RDR, 3DS, etc.) are optional but earn bonus points toward leaderboard, NFT rewards, and faster streak milestones
Credits have no cash value, are non-transferable, and may change. Eligibility requires KYB, CSV uploads, and sufficient data coverage/volume.
Proof-of-Compliance Leaderboard
Merchants earn points for maintaining compliance streaks
Build your Proof-of-Compliance history. Early participants are establishing verifiable compliance records ready for future on-chain verification.
* Points are promotional rewards with no cash value. Early participants build verifiable compliance history that may be eligible for future benefits at our sole discretion.
Global PSP Coverage
Get matched with processors that actually approve merchants in your region and industry. Not generic lists—real regional options.
North America
Europe
Latin America
Asia Pacific
Middle East & Africa
Personalized PSP recommendations based on your location, industry, and risk profile
AI Agent Compliance Alerts
The only AI agent monitoring payment compliance 24/7. Get early warnings on policy shifts, processor bans, and compliance changes before they shut you down.
Self-Learning Intelligence
Learns from real merchant outcomes. Predictive accuracy improves with every alert processed.
45+ Live Sources
GitHub commits, regulatory filings, CFPB complaints, merchant forums, PSP docs. Monitored 24/7.
Pattern Recognition
Identifies policy shifts 2-14 days before official announcements. Proprietary merchant data advantage.
Frequently Asked Questions
How much does GuardScore cost?
100% FREE forever for merchants under $15K/month ($180K/year revenue). No credit card required. Free includes: unlimited Guard AI chat assistant, one 11-question GuardScore assessment per month, monthly 5-question health check-ins (+100 GuardPoints per month), basic dashboard access, and GuardPoints rewards system. Premium plans ($99/month) unlock unlimited assessments, CSV upload analysis, personalized alerts tailored to YOUR business, advanced compliance tools, and Compliance Dividend rewards (get 9 months FREE after 3 compliant months).
What's included in the Premium portal?
Premium members ($99/month) get: unlimited GuardScore checks, personalized compliance alerts tailored to your business (via Telegram + email + portal dashboard), automated PSP matching updates, predictive chargeback detection, dispute response generator, Compliance Dividend rewards, and priority 24-hour support. Free users get public alerts for everyone; Premium gets alerts specific to YOUR volume, industry, and risk factors. Plus exclusive compliance resources, industry-specific guides, and direct processor introductions.
What is a high-risk backup account and why do I need one?
A high-risk backup account is a secondary payment processor ready to activate if your primary account gets frozen or terminated. Stripe/PayPal/Square can freeze accounts with 24 hours notice, locking your funds for 90-180 days. Having a pre-approved backup processor means you can restore revenue within 48-72 hours instead of losing months of sales. We help match you with backup processors that specialize in your industry and risk profile.
Don't see your question? Get instant answers from your AI compliance coach.
Ask MY AI Coach →Ready to Build Your Compliance Reputation?
Start tracking your compliance streak today. 100% free to start.
Get MY Free Assessment →