MerchantGuard™GuardScore™
Know your risk before your processor does
Your 24/7 AI Compliance Coach trained on 70,000+ real merchant scenarios—not rule-based guesswork. Analyzes YOUR business, YOUR data, YOUR risk. See exactly where YOU stand vs VAMP thresholds—whenever you need it, not a static score.
Both 100% Free • No Credit Card • Takes 60 Seconds
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™.
Trained on 70,000+ Synthetic Merchant Scenarios
Our ML models analyze real transaction patterns across Stripe, PayPal, Square, Shopify, Adyen, and Checkout.com to predict your PSP approval odds with 90.6% accuracy. 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. 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 interactive AI assessment/month + GuardScore™ risk analysis + 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 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.
"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 $25K/month ($300K/year revenue). 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. Premium plans ($99/month) unlock unlimited assessments, personalized alerts tailored to YOUR business, and advanced compliance tools.
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.
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