Free Resources & Tools

Compliance tools, calculators, and guides to accelerate your payment success.

Compliance Calculators

VAMP Penalty Calculator

See your Visa Acquirer Monitoring Program risk in seconds

Your chargebacks ÷ transactions × 100
VAMP Excessive: 2.20%(drops to 1.50% April 2026)
Industry avg: 0.6-0.9% (most merchants are safe)

*Educational readiness tool. Program thresholds and fees vary by acquirer. We do not submit applications, negotiate terms, or guarantee approvals.

🇧🇷 PIX Reserve Calculator

Brazil PIX MED 2.0 reserve requirements calculator

Your disputes ÷ PIX transactions × 100

*Illustrative thresholds based on current PIX MED guidance. Actual requirements vary by acquirer.

VAMP snapshot: VAMP snapshot: Merchant Excessive = 2.20% (→1.50% Apr 1, 2026, NA/EU/APAC). Acquirer portfolio tiers = 0.70% (Excessive) / 0.50% (Above Standard, Jan 1, 2026). Ratio = (TC40 + TC15) ÷ same-month sales; one fraud can count twice. LAC 1.50% from start; CEMEA/MENA ≈150 count + ≥$75k gate.

Same-month window: RDR/CDRN (TC15) and CE3.0 (TC40) must be recognized in the same data month to exclude from your ratio.

Regional notes: LAC runs at 1.50% from start; CEMEA/MENA uses a lower count gate (~150) with ≥$75k value.

Enumeration (card testing): identified at ≥20% enumerated auth ratio and ≥300,000 attempts in a month (separate track).

*Educational readiness tools. Program thresholds/fees vary by acquirer. We do not submit applications, negotiate terms, or guarantee approvals.

MATCH Recovery Resources

Already terminated? These tools help you understand your situation and recovery options.

MATCH List Status Checker

Are you on the MATCH list? Find out in seconds

  • Previous processor name
  • Termination date (if known)
  • Reason given for termination
Check MATCH Status →

*Checks against known patterns. For official status, contact your previous processor.

MATCH Recovery Calculator

See your recovery odds based on your reason code

  • Code 04: Excessive Chargebacks (~45% recovery potential)
  • Code 12: PCI Non-Compliance (~65% recovery potential)
  • Code 05: Excessive Fraud (~30% recovery potential)
  • Other reason codes
Calculate Recovery Odds →

MATCH Removal Authority Guide

10-day filing strategy vs "wait 5 years" advice

  • proven recovery strategies with proper documentation
  • Rule 6.8.2 compliance filing procedures
  • Evidence pack templates for all reason codes
  • Direct acquirer contact strategies that work
Get Removal Strategy →

Emergency Recovery Guides

  • MATCH Code 04: Chargeback recovery strategies
  • MATCH Code 12: PCI remediation path
  • Just Terminated: 48-hour action plan
  • USDC Setup: Accept payments TODAY
Access Emergency Guides →

Live Processor Approval Rates

*Updated monthly from industry data and documented guidelines

For Clean Merchants:

• Stripe: ~85% approval (documented)
• Square: ~80% approval (estimated)
• PayPal: ~75% approval (estimated)

For MATCH Recovery:

• FastSpring: ~72% (digital only)
• High-risk specialists: ~45% (category-focused)
• PaymentCloud: ~40% (mixed categories)
See Full Recovery System →

Compliance Guides & Templates

AI-EXCLUSIVE

Section 4.3 Stripe Fund Release Guide

87% fund recovery vs 45% generic approach. Accelerated 30-60 day release vs 94-day average.

Access Guide →
CRISIS RECOVERY

Emergency High-Risk Setup Guide

48-72 hour emergency processing vs 5-14 day generic timelines. Crisis-specific approval strategies.

Access Guide →

1-Day Fintech Compliance Guide

From Wyoming LLC to accepting payments: entity, EIN, basic PCI, first PSP application, fraud controls.

Access Guide →

Brazil PIX MED 2.0 Playbook

Understand MED thresholds, reserve logic, timelines, and practical mitigation strategies.

Access Guide →

High-Risk CBD Processing Guide

Underwriting expectations, compliant site structure, required policies, and approval strategies.

Access Guide →

Templates & Checklists

Document Templates (copy-paste ready)

  • Terms of Service (SaaS-optimized)
  • Privacy Policy (privacy-by-design)
  • Refund Policy (clear, PSP-friendly)
  • AML/KYC Policy Framework
  • Chargeback Response Templates
Access All Templates →

Compliance Checklists

  • PSP Application Checklist (47 items)
  • Website Compliance Audit
  • Multi-PSP Orchestration Guide
  • High-Risk Merchant Checklist
Download Checklists →

GuardScore Learning Modules

Self-paced modules covering:

  • Business Foundation Setup
  • Payment Processing Strategy
  • Legal & Compliance Framework
  • Risk Management Systems
Start Learning →

Get Your Personalized GuardScore

All these resources complement your GuardScore assessment. See exactly where you stand and get custom recommendations.

Launch GuardScore Co-Pilot (~60 sec)

Free, no credit card required.

Stay Updated

Weekly Compliance Alerts — Regulatory changes, PSP policy updates, new tools, and risk advisories.