MerchantGuard™GuardScore™
Compliance intelligence that knows your business.
Get your 0–100 score in 60 seconds and see VAMP distance, chargebacks, MATCH risk, and approval odds across top PSPs—based on your data.
Uses hard rules for industry bans + current VAMP limits
Frozen by your processor?Want a public credibility page + backlink? Get a free verified profile →
In 60 seconds, you'll see:
- ✓Your GuardScore™ (0-100)
- ✓VAMP status and distance from threshold
- ✓Top risk factors for your profile
- ✓PSP approval odds (7 providers)
- ✓Simple action plan
- ✓Free public profile + do-follow backlink (domain verified)
Works with your payment processor
Also supports: Adyen • Authorize.Net • Braintree • Checkout.com • USAePay • +47 more
Assistant Tailored to Payments Expertise
Delegate complex risk and compliance tasks in natural language. The Guard™ AI Assistant understands merchant data, GuardScore, Pix/MED, and PSP policies— then turns analysis into action.
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..."
Keeping Merchants Alive
Payment processors shut down 100,000+ merchants every year. Most never knew they were at risk. PSPs have a monopoly on compliance intelligence—they know YOUR risk status but won't share it. YOU only find out when they freeze YOUR account.
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.
1 free GuardScore™ assessment per month for life + free public alerts channel (Telegram + portal) with industry-wide compliance updates. Includes compliance score (0-100), risk factors, and PSP approval predictions. Businesses that complete KYB verification get even more free benefits including enhanced risk analysis and priority processor matching. No credit card required.
How It Works
Answer 14 Questions
Tell us about your business, volume, and current processor. Takes 60 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 MGRD Points
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.
Compliance Dividend™
Pay for 3 months. Stay compliant. Get 9 months FREE.
That's it.
- • 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.
Compete with other merchants. Earn points for completing compliance activities and climb the leaderboard.
VAMP Coach™
Our AI coach trained specifically on Visa's VAMP program. Get instant answers on thresholds, TC40/TC15 calculations, penalties, grace periods, and remediation strategies—all using YOUR business data.
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 everyone for life. No credit card required. You get 1 free GuardScore assessment per month for life, plus access to our free public alerts channel (Telegram + portal) with industry-wide compliance updates. This includes your compliance score (0-100), risk factor breakdown, and PSP approval predictions. Businesses that complete KYB (Know Your Business) verification get even more free benefits including enhanced risk analysis and priority processor matching. Premium plans ($19.99/month) unlock unlimited assessments, personalized alerts tailored to YOUR business, and advanced compliance tools.
What's included in the Premium portal?
Premium members ($19.99/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.
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