Your Payment Crisis Plan. Ready now.
Keep your portfolio under acquirer reality (0.30–0.40%) as VAMP fines begin. Instant, automated delivery via Telegram — no calls, no meetings.
Build bulletproof systems
Stay safely under acquirer reality (0.30–0.40%) with the Sub‑0.40% Protection System.
- Real‑time VAMP tracker (TC40 + TC15)
- Same‑month automation (RDR/CDRN & CE3.0)
- Multi‑PSP failover + approval templates
VAMP Snapshot (truth vs. practice)
Regional note: LAC starts at 1.50%; CEMEA/MENA lower count‑gates + value.
⚠️ The Reality Gap
- Merchant "Excessive": 2.20% (→ 1.50% in Apr '26)
- Fines: $8 merchants, $4 acquirers per TC15/TC40 counted
- Enumeration watch: 20% ratio + 300k attempts
- Acquirer internal limits: 0.30–0.40%
- TC40 + TC15 can count twice for one fraud event
- Same‑month automation (RDR/CDRN & CE3.0) required
Industry Reality: While Visa's official thresholds are higher, many acquirers enforce internal limits around 0.30-0.40% to protect their portfolios. This is market practice, not an official Visa requirement.
Regional specifics — LAC runs at 1.50% from program start; CEMEA/MENA uses a lower count gate (≈150) plus ≥$75k value. Minimum count for most regions: 1,500 combined TC40+TC15 per month. Acquirer portfolio minimum: 1,500.
Built for Builders. Engineered for Scale.
Your technical co-pilot handles the deep compliance engineering, so you can focus on shipping product that scales.
Technical Risk Assessment
Your payment stack audit in 60 seconds. See exactly where you'll get cut.
Fact: 73% of shutdowns happen at 0.35% - not Visa's 2.2% threshold
Multi-Provider Architecture
Backup PSP ready before you need it. Never lose processing again.
Fact: Dual-PSP setups prevent 94% of revenue interruptions
Real-Time Monitoring Stack
Know about threats before they hit. Automated alerts when limits approach.
Included: 12 months of MerchantGuard Alerts™ with your kit
Production‑Ready Compliance Systems
Choose your protection level — 100% automated delivery via Telegram
Complete Survival & Growth Kit
What you get (specific & defensible):
- ✅10‑page GuardScore™ Risk Brief — your Primary Driver, 3‑step plan, and PSP readiness map tailored to your inputs
- ✅4 ready‑to‑ship playbooks — RDR, 3DS, Descriptor Clarity, Velocity Controls with fill‑in templates and default settings
- ✅PSP approval pack + reserve forecaster — pre‑filled application materials, underwriter Q&A, and rolling‑reserve day/cash‑flow model
- ✅Token Launch Playbook (37 pp) + CLARITY — launch dependencies, disclosures, and processor‑safe flows for digital assets
- ✅12 months of private alerts included — no auto‑renew, 7‑day guarantee
MATCH Emergency Kit
What you get:
- ✅Rapid fund-hold playbooks (incl. 180-day scenarios)
- ✅Dispute/RDR templates & refund SLAs to de-escalate risk
- ✅Emergency routing options — multi-PSP architecture
- ✅Banking & descriptor fixes to reduce flags immediately
- ✅Personal-guarantee exposure checklist
Educational readiness tools. Thresholds and fees vary by acquirer. We do not submit applications, negotiate terms, or guarantee approvals. Not legal or financial advice.
What's Inside (at a glance)
Professional-grade tools and intelligence — packaged for speed
Risk Brief (10pp)
your primary driver + 90‑day plan
Implementation Stack
RDR, 3DS, descriptors, velocity (ready‑to‑ship templates)
Approval Support
PSP pack + reserve forecaster
Future‑Proofing
Token Launch Playbook + CLARITY
Ongoing Protection
12‑month alerts (no auto‑renew)
MerchantGuard Alerts™
24/7 monitoring for critical compliance changes, processor alerts, and industry intelligence
Instant Alerts
VAMP internal control shifts, reserve policy changes, acquirer payout delays.
Industry Intel
Real PSP change notes (approval SLAs, fee moves, descriptor rules), not speculation.
Crisis Prevention
Early flags on account reviews, freeze risk markers, and regulator timelines.
$9.99/mo or $99/yr (save $20) • No auto‑renew • 7‑day guarantee
Compatible Everywhere You Process
Open-Source Knowledge Base for Builders
1-Day Fintech Compliance Guide
Technical implementation guide: Infrastructure setup, API integration patterns, and production deployment checklists.
Access Guide →GuardScore™ Learning Modules
Advanced engineering modules: ML fraud detection, real-time risk scoring, and automated compliance monitoring.
Start Learning →Brazil PIX MED 2.0 Playbook
Master the <0.6% dispute requirement and reserve expectations.
Download Playbook →High-Risk CBD Processing Guide
Technical compliance architecture: Automated regulatory reporting, audit trail systems, and risk mitigation frameworks.
Get CBD Guide →Need something custom?
Your technical co-pilot can architect custom solutions for complex payment models.
Get Custom Guidance →Frequently Asked Questions
What is the VAMP ratio?+
What thresholds are active now?+
Merchants (US/EU/CA/APAC): 2.20% today, tightening to 1.50% on Apr 1, 2026. LAC runs at 1.50% from start. CEMEA/MENA: 2.20% but with a ~150 count + ≥$75k value gate. Most regions also require a minimum monthly count (often 1,500 combined TC40+TC15).
What about acquirers?+
When do fines apply and how much?+
How do we lower our VAMP ratio?+
Enterprise-Grade Security & Compliance
Bank-level security with privacy-first compliance architecture
SOC 2-aligned practices
Enterprise security controls and audit trails
AES-256 at rest & TLS in transit
Bank-level encryption for all data
GDPR & CCPA aligned
Full privacy regulation compliance
Privacy-by-design
Minimal data retention with user control