Stop $25K+/month VAMP fines before they hit your portfolio.
Monitor 10,000+ merchants with zero new headcount. MerchantGuard is compliance infrastructure for high-risk ISOs/PayFacs/PSPs — predict threshold breaches, auto-generate remediation plans, and protect your portfolio from VAMP exposure.
No signup required • 30-day pilot, cancel anytime • Deploy in 48 hours
GuardScore deep-dive: see why a merchant is flagged (VAMP distance, disputes, fraud signals, processor fit) and what to do next.
Automated remediation: vertical-specific AI coaches generate merchant action plans, evidence packs, and monitoring checklists — reducing support load and saving accounts before they hit thresholds.
The rules changed. Your portfolio is now financially exposed.
VAMP compresses time-to-pain. Operators can't rely on merchants to self-police — you need your own radar: continuous monitoring + early warning + remediation.
Early warning
Detect drift toward thresholds before the network flags the MID. Portfolio-level visibility, not merchant excuses.
Portfolio defense starts here.
Enforcement pressure
Once merchants breach, the remediation burden lands on you: fines, monitoring programs, and banking friction.
Prevention beats cleanup.
High-risk reality
Enumeration, friendly fraud, subscription disputes, and compliance churn hit the exact verticals you serve.
You need automation at scale.
Note: thresholds and fees vary by program, region, and merchant category; the product is built to map your portfolio to current enforcement logic and alert before exposure compounds.
Automated risk intelligence. Zero extra headcount required.
Portfolio-wide GuardScore
- See risk distribution across your book in one view.
- Drill into disputes, fraud signals, volatility, and underwriting red flags.
- Standardize internal decisions with a consistent scoring layer.
VAMP forecasting + merchant action plans
- Predict threshold breaches ahead of time (so you can intervene early).
- Auto-generate remediation steps: RDR/3DS guidance, descriptor fixes, refund policy upgrades.
- Turn compliance from a cost center into a retention product.
Vertical AI coaches
- Built for high-risk verticals, not generic 'AI advice'.
- Includes: Crypto, Gaming, Nutra/Supplements, Adult, and Coaching / Info-Products.
- Designed to reduce friendly fraud + subscription dispute blowups.
Operator deployment options
- White-label dashboard for your merchants and agents.
- API-first modules for embedding into your existing underwriting / portal.
- Deploy as your 'Compliance Shield' offering inside 48 hours (pilot).
Why you don't want to build this in-house
Data + structure
Built around real operator workflows: scoring, monitoring, remediation, and evidence generation — not a chatbot.
Infrastructure, not a toy.
Integration ready
Designed to ingest common processor exports and connect to modern stacks. You keep your current flow; we add the shield.
Fast time-to-value.
Vertical specificity
Hardest part isn't AI — it's mapping high-risk edge cases (subscription disputes, coaching chargebacks, crypto rails) to actions.
This is the moat.
Operator-led majority partnership (60-70%) — turnkey transfer
The engine is built. We're looking for the right operator with distribution to scale it. Founder stays on as AI Product Architect to train your team, ship roadmap, and support rollout.
Agent recruitment hook: bundle a "Compliance Shield" with your agent program — "Sell our processing stack and you get an in-house AI compliance layer." It's a story agents can sell, and merchants stick to.
Code: PSPDEMO2025
