MerchantGuard™MerchantGuard vs Riskified
Choosing between PSP selection intelligence and transaction fraud prevention? Here's how we compare.
MerchantGuard
PSP selection, approval prediction, compliance readiness
Riskified
Real-time transaction decisions, chargeback guarantee
Side-by-Side Comparison
Primary Focus
Training Data
PSP Intelligence
Prevention Type
Compliance Support
Target Market
Pricing
Free Tier
What Riskified Does Well
Riskified is a proven enterprise solution for transaction-level fraud prevention
Enterprise Fraud Prevention
Proven track record protecting large-scale e-commerce operations from fraudulent transactions. Real-time decision-making with global fraud network intelligence.
Chargeback Guarantee
Takes financial responsibility for approved transactions that result in chargebacks. Transfers fraud liability from merchant to Riskified.
Deep PSP Integrations
Seamless integration with major payment processors for real-time transaction routing and fraud detection workflows.
Where MerchantGuard Goes Further
MerchantGuard addresses the earlier stages of the merchant lifecycle that Riskified doesn't cover
PSP Selection Intelligence
7 PSP-specific ML models trained on 70,000+ profiles predict approval odds BEFORE you apply. Riskified requires you to already have PSP approval—we help you get it.
Compliance Readiness
Educational resources on VAMP (Visa fraud monitoring), RDR (rapid dispute resolution), 3DS authentication, and payment compliance. Critical for high-risk merchants getting approved.
Startup-Friendly Pricing
Free tier + paid plans from $0-$299/month. Accessible for startups and high-risk merchants who can't afford $500-$2,000+/month enterprise fraud tools.
When to Use Which Tool
Choose MerchantGuard If:
- ✓You're selecting a PSP and need approval odds for Stripe, PayPal, Checkout.com, etc.
- ✓You're a startup or high-risk merchant (CBD, crypto, nutra) worried about PSP rejection
- ✓You need compliance education (VAMP, RDR, 3DS) to avoid account termination
- ✓Your budget is under $300/month and you need PSP intelligence
- ✓You want to avoid wasting time applying to PSPs likely to reject you
Choose Riskified If:
- ✓You already have PSP approval and process significant transaction volume
- ✓You need enterprise fraud prevention with real-time transaction decisions
- ✓You want chargeback liability protection with a guarantee program
- ✓Your business is established e-commerce with $500-$2,000+/month budget
- ✓You're not in PSP selection phase—you need post-approval fraud tools
💡 Use Both Tools Together
MerchantGuard helps you select the right PSP and get approved (pre-account phase). Riskified protects your transactions after approval (post-account phase). They complement each other perfectly.
Pricing Comparison
MerchantGuard is designed for startups and high-risk merchants with limited budgets
MerchantGuard
- ✓Free 60-second assessment
- ✓7 PSP approval predictions
- ✓Compliance education
- ✓AI consulting (paid tier)
- ✓No credit card required
Riskified
- ✓Enterprise fraud prevention
- ✓Real-time transaction decisions
- ✓Chargeback guarantee
- ✓Custom enterprise pricing
- ✓Requires sales consultation
💰 Cost Difference: MerchantGuard is 83-100% cheaper than Riskified, making it accessible for startups and high-risk merchants who need PSP intelligence but can't afford enterprise pricing.
Try MerchantGuard Free
Get your free GuardScore in 60 seconds. See PSP approval odds for 7 major processors—no card required.
100% free • No card required • 60 seconds
Transparency Note
MerchantGuard and Riskified serve different purposes in the merchant lifecycle. This comparison is educational and based on publicly available information. MerchantGuard's ML models are trained on synthetic data for PSP approval prediction (pre-account phase); Riskified focuses on transaction fraud prevention (post-account phase). Pricing estimates are approximate and subject to change. For accurate Riskified pricing, contact their sales team.