MerchantGuard™ for Payment Service Providers
Transform merchant compliance from a cost center into competitive advantage. Reduce portfolio risk, accelerate underwriting, and prevent VAMP exposure.
The Multi-Million Dollar Problem
Every PSP faces the same challenge: merchant portfolio risk that directly impacts your bottom line.
VAMP Exposure
VAMP fines: ~$8 per dispute/fraud count (TC40/TC15) for merchants when Excessive (≥2.20%), or ~$4 per count for acquirer Above Standard (≥0.50%) from Jan 1, 2026
Portfolio thresholds: Acquirer tiers at 0.70% (Excessive) and 0.50% (Above Standard).
Dispute Ratios
High chargeback rates trigger reserve holds and processing restrictions
Regulatory Fines
Non-compliance results in regulatory penalties and license restrictions
Reduce Underwriting Overhead
MerchantGuard™ merchants arrive with standardized, portable evidence so your team can underwrite faster and with fewer back-and-forths.
Materially faster reviews and fewer clarifications required.
Pre-Verified Documentation
- ✓Domain privacy / public identity verified
- ✓Policy completeness (Terms, Privacy, Refund, Contact)
- ✓Multi-PSP ready documentation and artifacts
- ✓Portable compliance history (GuardScore™ snapshots)
The MerchantGuard™ Compliance Firewall
Beyond merchant readiness, MerchantGuard™ acts as your portfolio de-risking system, identifying problems before they impact your business.
Portfolio Risk Monitoring
Real-time alerts across your entire merchant base
Predictive Fraud Reduction
Identify high-risk merchants before they cause problems
Executive Dashboards
Executive-level reporting for risk management
Regulatory Alerts
Stay ahead of evolving compliance requirements
Integration Options
Choose the integration that works best for your infrastructure and business model.
API Integration
Real-time risk scoring and compliance monitoring through our REST API
White-label Solution
Embed MerchantGuard intelligence directly into your merchant portal
Revenue Share Partnership
Performance-based model where we share in the value we create
ROI Calculator
See the potential impact on your portfolio with real numbers from industry data and risk modeling.
ROI Snapshot (illustrative)
Assumptions: portfolio totals during Excessive months. Per dispute/fraud count (TC40/TC15) fines: $8 (use $10 for conservative modeling).
- Monthly TC40+TC15 counts: 3,000 → fines ≈ $24,000 ($8 × 3,000)
- Same-month RDR/CDRN deflection: −20% TC15 → saves ≈ $4,800
- CE3.0 success on eligible TC40: −15% TC40 → saves ≈ $3,600
- Net monthly fine reduction (illustrative): ≈ $8,400
Example: 1,000 Merchant Portfolio
Ready to Protect Your Portfolio?
Book a demo to see how MerchantGuard can reduce your portfolio risk and improve your bottom line.
30-minute demo, immediate insights.