MerchantGuard™MerchantGuard vs Signifyd
Prevention vs Protection. MerchantGuard stops PSP termination before it happens. Signifyd reimburses chargebacks after they occur.
Side-by-Side Comparison
Different tools for different stages of payment risk management
Primary Focus
Data & ML
Pricing Model
Approach
PSP Matching
Compliance Tools
Target Stage
Best For
What Signifyd Does Well
Signifyd is a strong solution for chargeback financial protection
Chargeback Guarantees
Signifyd provides financial protection by reimbursing approved transactions that result in chargebacks. This reduces your direct financial exposure.
Commerce Network
Their transaction network analyzes patterns across thousands of merchants, providing strong fraud detection based on network effects.
E-commerce Integration
Deep integrations with major e-commerce platforms and PSPs make implementation straightforward for online retailers.
Where MerchantGuard Goes Further
MerchantGuard focuses on earlier intervention and PSP relationship health
Prevents Termination
We intervene before PSP termination happens. Signifyd reimburses chargebacks but doesn't prevent your processor from shutting down your account.
PSP Matching
7 PSP-specific models help you choose the right processor BEFORE you apply. Signifyd integrates with PSPs but doesn't help you select the best fit.
Compliance Education
We teach you VAMP, RDR, and 3DS compliance to keep your PSP relationship healthy. Signifyd integrates with these tools but doesn't educate on compliance.
Flat Pricing
$0-$299/month flat rate. No per-transaction fees. Signifyd charges 1-3% per transaction, which can add up to $1,000-$3,000/month for $100k in sales.
70,000+ ML Scenarios
Our models learned PSP-specific approval patterns from 70,000+ synthetic scenarios. We predict which processor will approve you, not just fraud risk.
Earlier Intervention
We work at the pre-processing stage (before termination). Signifyd works at post-processing (after transactions). Prevention beats protection.
Why Use Both Together?
MerchantGuard and Signifyd solve different problems. Many merchants use both for comprehensive payment risk coverage.
MerchantGuard for PSP Health
- ✓ Monitor VAMP compliance
- ✓ Track RDR eligibility
- ✓ Ensure 3DS readiness
- ✓ Match to best PSP
- ✓ Prevent termination
Signifyd for Chargebacks
- ✓ Chargeback guarantees
- ✓ Fraud protection
- ✓ Financial reimbursement
- ✓ Transaction approval
- ✓ Network effects
The Result
MerchantGuard keeps your PSP relationship healthy and prevents termination. Signifyd protects you financially from chargebacks. Together, they cover both prevention and protection.
Pricing Comparison
Flat rate vs per-transaction: How costs scale with volume
MerchantGuard
- ✓ No per-transaction fees
- ✓ Predictable costs
- ✓ Free tier available
- ✓ Scales with usage
Signifyd
- ✓ Percentage-based
- ✓ Scales with revenue
- ✓ Includes guarantees
- ✓ Custom pricing
Cost Example: $100k Monthly Volume
Try MerchantGuard Free
Get your free GuardScore in 60 seconds. See which PSP is most likely to approve you, based on 70,000+ ML training scenarios.
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Transparency Note
This comparison is based on publicly available information about Signifyd and MerchantGuard as of October 2025. Signifyd is a registered trademark of Signifyd, Inc. MerchantGuard is not affiliated with or endorsed by Signifyd. For educational purposes only. Pricing and features may vary—check with each provider for current details.