MerchantGuard™How MerchantGuard Works
A compliance intelligence platform that helps merchants avoid account freezes, match with the right PSPs, and stay ahead of policy changes.
Get Started in Four Steps
From assessment to action in less than 5 minutes. No credit card required to start.
Take the Assessment
Answer 8 questions about your business: industry, monthly volume, chargeback rate, and processing history. Takes 2 minutes.
Get Your GuardScore
Receive a compliance health score (0-100) based on your risk profile, with specific recommendations to improve processor approval odds.
Receive Personalized Alerts
Get real-time notifications when PSPs change policies affecting your industry. Know about threshold updates before they impact you.
Match with PSPs
Access curated recommendations for payment processors that accept your vertical and risk profile. Skip the trial-and-error.
What Your GuardScore Measures
Your compliance health score is calculated based on the factors PSPs actually evaluate during underwriting.
Industry Risk Level
How PSPs classify your vertical. CBD, crypto, and nutraceuticals face stricter requirements than SaaS or e-commerce.
Chargeback History
Current dispute rate and VAMP exposure. Rates above 0.9% trigger red flags. Above 1.8% = immediate risk of VAMP penalties.
Processing Track Record
Prior account freezes, MATCH list status, and payment provider history. Past terminations lower your score.
Business Maturity
Monthly volume, time in business, and revenue consistency. Established merchants with stable volume get higher scores.
Real-Time Compliance Intelligence
MerchantGuard monitors 50+ payment processors and card network policies daily. You get personalized alerts matched to your industry and risk profile.
Policy Change Alerts
Know when Stripe, Checkout.com, or other PSPs update threshold requirements, acceptable use policies, or risk scoring models for your vertical.
Proactive Risk Warnings
Get notified when your chargeback rate approaches VAMP thresholds or when your descriptor triggers higher fraud review rates.
PSP Matching System
Connect with payment processors that actually accept your risk profile. Stop wasting time on applications that will get rejected.
Vertical-Specific Matches
Get recommendations for PSPs that specialize in your industry: CBD, crypto, nutraceuticals, forex, or whatever vertical you operate in.
Risk-Adjusted Options
See which PSPs will accept your current chargeback rate and processing history. Higher-risk merchants get matched with specialists.
Application Guidance
Learn what each PSP looks for in applications and how to position your business to maximize approval odds.
Free vs Pro Features
Free Tier (Forever)
GuardScore assessment, basic PSP recommendations, weekly compliance alerts via Telegram, and access to public compliance guides.
Pro Tier ($97/month)
Real-time alerts, CSV upload for chargeback analysis, personalized compliance dashboard, AI-powered policy coach, and direct PSP introductions.
Enterprise (Custom)
White-label dashboard, API access for automated compliance checks, dedicated compliance analyst, and custom policy monitoring.
Start Protecting Your Payment Processing
Take the free GuardScore assessment and get personalized compliance recommendations in under 2 minutes.
Get Your Free GuardScoreNo credit card required. Results in 2 minutes.