The AI Agent Compliance Playbook
Regional regulations, PSP requirements, and what to do when you get rejected
Getting approved is step 1. Staying approved is step 2. PSPs monitor for compliance violations. One slip-up → Account frozen, funds held for 180 days.
Download Free PDF Guide →Regional Compliance Requirements
🇺🇸 United States
Visa VAMP
0.9% dispute ratio threshold. Monthly monitoring. $50K+ fines.
PCI-DSS
Only if you store card data. Use tokenization to avoid.
Money Transmitter
Only if agent holds funds. Most agents don't need this.
🇪🇺 European Union
GDPR
User consent, right to deletion, data portability. €20M fines.
PSD2
Strong Customer Authentication (SCA) for payments >€30.
AI Act
Right to explanation: "Why did your AI buy this?"
🌎 Latin America
Brazil: PIX MED 2.0
0.30% dispute ratio (stricter than Visa!). User approval required.
Mexico: CNBV
Banking regulator approval for SPEI transfers. Use licensed PSP.
Argentina/Colombia/Chile
Lower risk tolerance than US/EU. More documentation required.
Emergency Playbook: You Got Rejected. Now What?
4-step recovery process
Step 1: Request Rejection Reason (Within 48 Hours)
Email PSP support: "Can you clarify why my application was rejected?" PSPs won't give details, but hints like "business model" or "risk profile" tell you what to fix.
Step 2: Fix Red Flags + Wait 90 Days
Don't reapply immediately (PSPs flag this as "application spam"). Use 90 days to: Add human-in-loop, implement Visa TAP, improve docs. Run AgentGuard to confirm fixes worked.
Step 3: Apply to Alternative PSPs
If Stripe rejected you, try: Checkout.com, Braintree, Adyen. Each PSP has different risk appetite. AgentGuard shows approval odds per PSP.
Step 4: Consider Backup PSP Strategy
Don't rely on one PSP. Have 2-3 approved accounts for redundancy. Example: Primary = Stripe, Backup = Checkout.com, Emergency = PayPal. Auto-switch if primary fails.
Staying Compliant: Monthly Checklist
✅ Every Month
□ Check dispute ratio (<0.7%)
□ Review agent decision logs
□ Audit consent receipts (spot-check 10)
□ PSP health check (balances, reserves)
□ Update ToS if behavior changed
✅ Every Quarter
□ Review PSP agreement (policy updates?)
□ Compliance training (GDPR, PSD2, VAMP)
□ Security audit (pen testing, key rotation)
□ Backup PSP test (failover works?)
✅ Every Year
□ Re-certify PCI-DSS (if applicable)
□ Legal review (ToS, Privacy, compliance)
□ Insurance review (cyber liability, E&O)
□ AgentScore re-assessment
Get the Free Compliance Playbook
24-page guide covering US, EU, and LATAM compliance. Includes emergency playbook for PSP rejections. No email required.
Download Free PDF →Need More Help? Get the MATCH Kit
This playbook covers the basics. The MATCH Kit ($299) includes:
✅ Pre-rejection compliance audit (fix issues BEFORE applying)
✅ PSP appeal templates (3x higher re-approval odds)
✅ Backup PSP activation (approved in 72 hours)
✅ Emergency fund release scripts (if account frozen)
✅ Regional compliance checklists (US, EU, LATAM)
✅ Ongoing monitoring tools (monthly dashboard)
Or start with a free AgentScore assessment: t.me/guardscorebot
Part of the AgentGuard Educational Series by MerchantGuard
Questions? Telegram: @guardscorebot