GuardScore™

Compliance score 0-100 for high-risk merchants. Surfaces Visa Acquirer Monitoring Program (VAMP) exposure before processors act. Free for merchants, shareable with PSPs and underwriters.

Score components

• Chargeback rate (40%)
• Fraud stack (25%)
• Auth rate (15%)
• Volume profile (10%)
• PSP mix (10%)

Color tiers

• Green (75+) — compliant
• Amber (50-74) — at risk
• Red (<50) — critical

Endpoint

curl -X POST https://www.merchantguard.ai/api/v2/guardscore/assess \
  -H "Content-Type: application/json" \
  -d '{
    "merchantId": "mch_123",
    "vampRatio": 0.0085,
    "monthlyVolume": 250000,
    "fraudTools": ["3ds", "rdr", "ethoca"],
    "avgTicketUSD": 89,
    "isDigitalGoods": true,
    "hasGuestCheckout": false
  }'

Response shape

{
  "score": 72,
  "tier": "amber",
  "vampProjection": { "current": 0.0085, "eom": 0.0102 },
  "survival": { "probability": 0.83, "matchEta": null },
  "actions": [
    { "id": "enable_3ds_high_risk_bins", "effort": "low", "impact": 0.18 },
    { "id": "expand_rdr_coverage",       "effort": "low", "impact": 0.12 }
  ],
  "agentReady": { "score": 88, "tier": "diamond" }
}

Shareable trust profile

Each score generates a shareable URL at /trust/{token} with a 30-day TTL. Public shell shows score + survival probability. OTP-gated core unlocks the full passport plus PSP matches. Designed as a B2B lead-gen surface for ISOs and underwriters reviewing merchant compliance.

VAMP thresholds (reference)

• 0.9% — Early Warning
• 1.5% — Fines start
• 1.8% — Severe / MATCH list
• 45 days for remediation plans after breach.

Resources

Free calculator: merchantguard.ai/tools/guardscore-calculator
Visual passport: merchantguard.ai/premium/guardscore