About MerchantGuard™
Built by merchants who learned compliance the hard way — so you don't have to.
The Real Story: Why MerchantGuard Exists
We didn't start with grand plans to disrupt payments. We started with a painful problem.
The Problem We Witnessed
Multiple founders in our network had their payment processing suddenly terminated — with tens of thousands in funds frozen for months. Despite thinking they were compliant, small gaps in documentation or risk management triggered immediate shutdowns.
The Insight That Changed Everything
We realized that most merchants don't fail compliance because they're reckless — they fail because compliance requirements are scattered, complex, and constantly changing. There was no systematic way to stay ahead of these requirements.
Our Solution Philosophy
Instead of building another payment processor, we built the intelligence layer that sits above all processors. GuardScore™ analyzes your setup against 200+ compliance factors and gives you clear, actionable guidance before problems become crises.
Free assessment, no credit card required
Our Journey
From problem to solution: The MerchantGuard™ timeline
The Problem Emerges
Witnessed and researched multiple cases of sudden PSP terminations with funds frozen for 60-90 days. Small documentation gaps were triggering immediate shutdowns despite merchants believing they were compliant.
Pattern Recognition
We identified that most compliance failures weren't due to bad actors, but systematic gaps in understanding evolving requirements across different processors and jurisdictions.
The Insight
Instead of building another payment processor, we realized the need was for an intelligence layer that sits above all processors — analyzing setups against comprehensive compliance factors.
GuardScore™ Development
Began building the first systematic compliance assessment tool, analyzing 200+ factors across business setup, documentation, risk management, and operational processes.
Beta Testing
Launched beta testing framework. Developed comprehensive compliance strategies and PSP application guidance based on industry best practices and regulatory requirements.
Scaling the Solution
Expanding GuardScore™ Co-Pilot capabilities with AI-powered analysis, multi-jurisdiction support, and real-time regulatory monitoring to prevent compliance surprises.
Mission & Values
Prevention Over Reaction
Identify and fix compliance gaps before they become account terminations or fund freezes.
Actionable Intelligence
No generic advice. Every recommendation is specific to your business model and target markets.
Transparency First
Clear about what we do and don't do. No false promises, no unrealistic guarantees.
👥 The Team
A small team of payment industry veterans and compliance specialists, backed by an AI-powered Co-Pilot system that scales our expertise.
🤖 Leveraging AI for Scale
Our GuardScore™ Co-Pilot combines human payment expertise with AI analysis to provide instant compliance assessments that would traditionally require hours of manual review by senior consultants.
This approach allows us to keep costs low while maintaining the depth and accuracy of enterprise-level compliance consulting.
Ready to Experience GuardScore™?
Join merchants who've eliminated compliance surprises with our AI-powered Co-Pilot.
Launch GuardScore™ Co-Pilot →Free assessment, ~60 seconds, no credit card required