MerchantGuard™Portfolio Risk Intelligence for PSPs & PayFacs
Deploy merchant risk scoring, remediation playbooks, and VAMP monitoring across your entire portfolio - no integration required.
Two Products, One Platform
We built the merchant experience first. Now PSPs can deploy that entire system to their portfolio with one CSV upload.
Merchant Experience
- ✓GuardScore health metric (0-100)
- ✓14 specialized AI coaches
- ✓Self-serve remediation playbooks
- ✓Fewer shutdowns & chargebacks
PSP Experience
- ✓Portfolio CSV upload & bulk scoring
- ✓At-risk merchant identification
- ✓Auto-remediation emails
- ✓Lower VAMP exposure, higher retention
The VAMP 2025 Challenge
Visa's new VAMP rules are putting PSP portfolios at unprecedented risk.
Tighter Thresholds
0.9% chargeback ratio now triggers monitoring. 1.5% starts fines. 1.8% risks MATCH listing.
~15% of portfolios at pre-VAMP breach
Shorter Windows
Merchants now have only 45 days to submit remediation plans. Most risk teams can't keep up.
Massive Fines
$25,000+ monthly fines per non-compliant merchant. One bad merchant can cost you $300K/year.
Portfolio Triage in 60 Seconds
Upload your portfolio CSV and instantly identify every merchant approaching VAMP thresholds. Our AI generates remediation emails and assigns specialized coaches - automatically.
Our system does 1,000 in 30 seconds - with AI-written remediation emails ready to send.
What You Get
- ✓GuardScore for every merchant (0-100)
- ✓At-risk identification (0.9%, 1.5%, 1.8%)
- ✓Auto-remediation emails to merchants
- ✓14 specialized AI coaches by vertical
14 Specialized AI Coaches
Each high-risk vertical has unique compliance challenges. Our coaches are trained on industry-specific remediation strategies.
MATCH Recovery Coach - Greenfield Opportunity
100K+ merchants on the MATCH list with no path back. Our dedicated MATCH Recovery coach helps PSPs onboard these high-fee merchants safely. No competitor offers this.
Zero-Integration Deployment
Start protecting your portfolio tomorrow. No API build needed. No engineering sprints.
CSV Upload
Upload your merchant portfolio CSV. We handle the rest - scoring, risk identification, coach assignment.
Auto-Emails
AI-generated remediation emails sent to at-risk merchants automatically. Your brand, our intelligence.
White-Label Ready
Deploy under your brand. Your merchants see your logo, your colors, your domain.
The Economics
Our hybrid AI architecture delivers 50x cost efficiency over competitors.
Cost Comparison
Example: 1,000 Merchant Portfolio
Assumptions: ~15% at-risk, $25K avg fine per merchant, 50% remediation success rate
- 150 merchants identified as at-risk (0.9%+ chargeback ratio)
- 75 merchants remediated successfully before fines
- $1.875M in potential fines avoided annually
- Your cost: ~$1,200/year for the entire portfolio
Get Your Complimentary Portfolio Risk Audit
See exactly which merchants are approaching VAMP thresholds - and how to fix them before April's enforcement ramps up.
15-minute call. See real results on your data under NDA.