MerchantGuard™ChatGPT for Payment Compliance
Upload YOUR statements. Answer 11 questions. Get AI that knows YOUR data.
ChatGPT gives generic advice. MerchantGuard AI analyzes YOUR uploaded processing statements (Stripe, Shopify, PayPal) + YOUR business context to give you answers based on YOUR actual chargeback rate, YOUR volume, YOUR industry. Then come back monthly to build proof-of-compliance history and earn rewards.
FREE forever for merchants under $10K/month. No signup, no credit card.
How Proof-of-Compliance Works
Build verifiable compliance history. Get rewarded for staying compliant.
Upload Your Statements
Upload your processing CSV (Stripe, Shopify, PayPal). Our AI analyzes YOUR actual chargeback rate, YOUR volume, YOUR transaction patterns.
Answer 11 Questions
Tell us about YOUR industry, YOUR region, YOUR business model. Combined with YOUR data, this gives the AI complete context.
Get Your GuardScore
Get a 0-100 score based on 8 risk factors. See exactly where YOU stand and what YOU need to fix.
Ask AI Anything
Chat with AI that knows YOUR data. "Am I at risk?" "How do I reduce chargebacks?" Get answers for YOUR business.
Come Back Monthly
Upload new statements each month. Track YOUR improvement. Build proof-of-compliance history over time.
Earn Compliance Rewards
Stay compliant 3 months → Unlock 9 FREE months ($891 value). Pay $297, earn back $594. Proof-of-compliance pays.
The Earn-to-Comply Model
Most compliance tools charge you monthly forever. MerchantGuard rewards you for staying compliant.
92% of merchants who upload monthly unlock all 9 free months
Why ChatGPT Can't Do This
Generic AI gives generic answers. MerchantGuard AI knows YOUR exact situation.
ChatGPT
"Your chargeback rate seems high. You should probably monitor it and implement fraud prevention."
Generic advice. No data. Not helpful.
MerchantGuard AI
"Your dispute rate is 1.23%. At $47K/month processing, you'll hit VAMP Standard threshold in 23 days. You need to reduce disputes by 31 transactions this month to avoid penalties. Here's your action plan..."
Specific. Actionable. Based on YOUR data.
What You Can Ask
Real questions from merchants. Real answers based on YOUR data.
"Am I at risk of getting shut down?"
AI analyzes YOUR GuardScore, dispute rate, auth rate, and processing volume to calculate shutdown probability
"How long until I hit VAMP penalties?"
Real-time calculation based on YOUR current dispute rate and monthly processing volume
"Which PSP should I apply to next?"
Matches YOUR business model, risk profile, and processing needs to best-fit PSPs
"What's causing my high chargeback rate?"
Diagnoses YOUR specific situation based on your GuardScore data and industry benchmarks
"How do I recover from a freeze?"
Personalized recovery plan based on YOUR PSP, freeze reason, and business type
"Should I worry about RDR thresholds?"
Calculates YOUR exact distance from RDR limits and timeline to breach
How It Works
Get Your GuardScore
Answer 12 questions about your business. Takes 60 seconds. Completely free for merchants under $10K/month.
AI Analyzes YOUR Data
MerchantGuard AI ingests your GuardScore, processing volume, dispute rate, authorization rate, entity structure, and risk factors.
Ask Anything
Chat with AI like ChatGPT, but it knows YOUR specific situation. Get personalized answers, calculations, and action plans.
Specialized AI Assistants
Deep expertise in specific compliance areas
VAMP Risk Assistant
Calculate YOUR exact VAMP timeline, threshold distance, and penalty costs
RDR Compliance Coach
Monitor YOUR dispute rate vs RDR thresholds, get early warnings
PSP Matching AI
Find the best PSP for YOUR business model and risk profile
Recovery Assistant
Personalized recovery plans when YOUR account gets frozen
Is This Really Free?
Yes. FREE forever for merchants processing under $10K/month.
PSPs have real-time dashboards showing YOUR risk score. You don't. They know 30 days before they shut you down. You don't. We're leveling the playing field. Small merchants deserve access to the same intelligence enterprises pay $5K/month for.
No signup. No credit card. No catch. Just honest help for small merchants.
Frequently Asked Questions
How is this different from ChatGPT?
ChatGPT doesn't know anything about YOUR business. MerchantGuard AI analyzes your GuardScore, processing volume, dispute rate, and risk factors to give personalized answers. When you ask 'Am I at risk?', we calculate based on YOUR actual data, not generic advice.
What data does the AI have access to?
The AI analyzes your GuardScore assessment: processing volume, chargeback rate, authorization rate, entity structure, business model, current PSPs, and any compliance issues. It combines this with industry thresholds (VAMP, RDR, Excessive) to give accurate, personalized guidance.
Do I need to share my Stripe/PSP login?
No. You answer 12 questions about your business to generate your GuardScore. The AI uses this data. We never ask for PSP logins or API access.
Is the AI advice accurate?
The AI is trained on payment compliance regulations, PSP requirements, and thousands of merchant scenarios. It provides guidance based on current rules, but always recommends consulting with compliance experts for critical decisions.
What if I'm over $10K/month processing?
Premium membership ($99/month) includes unlimited AI coach access, advanced features, and priority support. But the free tier gives you everything you need to assess risk and get started.
Stop Guessing. Start Knowing.
Get personalized compliance guidance based on YOUR data. Free for small merchants. No signup required.
Try AI Compliance Coach Now