How much does GuardScore cost?

100% FREE forever for everyone for life. No credit card required. You get 1 free GuardScore assessment per month for life, plus access to our free public alerts channel (Telegram + portal) with industry-wide compliance updates. This includes your compliance score (0-100), risk factor breakdown, and PSP approval predictions. Businesses that complete KYB (Know Your Business) verification get even more free benefits including enhanced risk analysis and priority processor matching. Premium plans ($19.99/month) unlock unlimited assessments, personalized alerts tailored to YOUR business, and advanced compliance tools.

What's included in the Premium portal?

Premium members ($19.99/month) get: unlimited GuardScore checks, personalized compliance alerts tailored to your business (via Telegram + email + portal dashboard), automated PSP matching updates, predictive chargeback detection, dispute response generator, Compliance Dividend rewards, and priority 24-hour support. Free users get public alerts for everyone; Premium gets alerts specific to YOUR volume, industry, and risk factors. Plus exclusive compliance resources, industry-specific guides, and direct processor introductions.

What is a high-risk backup account and why do I need one?

A high-risk backup account is a secondary payment processor ready to activate if your primary account gets frozen or terminated. Stripe/PayPal/Square can freeze accounts with 24 hours notice, locking your funds for 90-180 days. Having a pre-approved backup processor means you can restore revenue within 48-72 hours instead of losing months of sales. We help match you with backup processors that specialize in your industry and risk profile.

MERCHANTGUARD™

The Compliance Layer for Payments & AI Agents

Install once. Compliance everywhere.

Quick Start

claude mcp add guard --transport sse https://merchantguard-mcp-810654658669.us-central1.run.app/sse

★ One command — 25 tools instantly available in Claude Code

1.Enter your business details

2.Get your risk score (0-100)

3.Follow your personalized action plan

Don't have an AI agent? Get certified →

● Get alerts when Visa changes chargeback rules

I agree to receive email updates and accept the Privacy Policy

760+

npm Downloads

24+

Processors Matched

Verticals Covered

0.9%

VAMP Threshold

Listed in the Coinbase x402 EcosystemCompliance layer for agent payments

Stripe x402 Compatible

Chrome AI Early Preview

Base Mainnet

10 Probe Types

24+ PSPs

Everything You Need to Stay Off the MATCH List.

Visa fines merchants $25K+ for high chargebacks. Guard™ scores your risk, shows you exactly what to fix, and finds processors that will approve your business.

0-100

Risk Score

Know your chargeback risk before Visa does. Upload your processor CSV or answer 14 questions — get your score in 60 seconds.

Security Scanner

Scan your payment setup for vulnerabilities. 102 checks across PCI compliance, fraud prevention, and processor requirements.

Guard™ Covers 14 Industries

One AI coach that knows YOUR vertical. CBD, crypto, supplements, adult, gaming, travel — deep compliance rules for each.

50+

Chargeback Alerts

Get notified before you cross Visa's threshold. Real-time alerts on rule changes, processor policies, and VAMP enforcement.

Agent Certification

10-probe adversarial audit for AI agents. Security, ethics, reliability, PII handling. Earn Diamond/Gold/Verified tier.

24/7

Watchdog Monitoring

Free 24/7 monitoring for your payment agents. Health checks, suspension alerts, quality scoring.

Generic AI Gives Generic Advice. Guard™ Knows YOUR Numbers.

Guard™ remembers your industry, volume, chargeback rate, and processor. Every answer is about YOUR business, not a textbook.

ChatGPT / Generic AI

Here's how to reduce chargebacks: implement RDR, sign up for Verifi or Ethoca alerts, enable 3D Secure...

Guard™ (Knows YOUR Business)

You're processing $85K/month in gaming with 2.3% chargebacks. That's above Visa's 0.9% threshold. RDR will block 284 disputes/month, saving you $21,584 and keeping you off the MATCH list.

Volume$85K

CB Rate2.3%

IndustryGaming

RegionBrazil

PSPStripe

RiskVAMP Exposure

What Guard™ Knows That ChatGPT Doesn't

VAMP Formula

ChatGPT

Hallucinated or outdated thresholds

Guard™

Exact formula: (fraud×2 + chargebacks) ÷ settled CNP. Updated April 2026 enforcement rules.

Processor Thresholds

ChatGPT

Doesn't know Stripe bans at 0.65%

Guard™

Shadow thresholds for Stripe (0.65%), Adyen (0.4%), Square (0.55%), PayPal (1.0%) — processors kill you before Visa does.

PSP Matching

ChatGPT

Names 3-4 popular processors

Guard™

24+ processors with real approval profiles, verticals, reserve policies, and timelines. Matched to YOUR industry and volume.

Industry Rules

ChatGPT

Generic compliance advice

Guard™

CBD requires COA + <0.3% THC. Nutra can't make health claims. Subscriptions need FTC Click-to-Cancel. We know each vertical's rules.

Your Business

ChatGPT

Starts from zero every conversation

Guard™

Remembers your chargeback rate, volume, processor, industry, and region. Every answer builds on your data.

2,800+ hours of vertical compliance research. Can't be replicated with a prompt.

Works with your processor

Also: Adyen, Authorize.Net, Braintree, Checkout.com, USAePay + 47 more

FREE

Free Agent Monitoring

Your agent goes down at 3am. Guard™ catches it. Suspension incoming? Guard™ alerts you. Quality dropping? Guard™ flags it. Free tier monitors 2 bots.

Health Pings

Suspension Alerts

Quality Scoring

Loop Detection

Karma Tracking

Telegram + Email

Start Free Monitoring

Free to Start. Pay As You Grow.

Free Forever

Risk score, security scan, Guard™ AI coach (14 verticals), chargeback alerts, and on-chain compliance identity. No credit card.

$1=100

Pay Per Use

$1 = 100 credits. First 1,000 free. Each coach question = 1 credit. Each alert = 0.1 credit.

USDC

Agent Payments (x402)

AI agents pay per-call with USDC on Base. No API key needed. No subscription.

x402 USDC Per-Call Pricing

Alert feed pull$0.001

Coach query$0.01

GuardScan (pattern)$0.05

GuardScan (deep + AI)$0.15

Mystery Shopper probe$0.05

GuardScore$0.10

Full certification$0.50

BASE MAINNET

On-Chain Compliance Identity

Free soulbound NFT identity for every agent. GuardScorePassport for merchants. Verifiable on-chain.

GuardScorePassport0x94Ab...8741

ERC-8004 Identity/.well-known/erc8004.json

FAQ

What happens if my chargebacks are too high?

Visa's VAMP program fines merchants $25K+ when chargebacks exceed 0.9%. Guard™ scores your risk, shows exactly what to fix, and matches you with processors built for your industry — before Visa flags you.

How much does it cost?

Core features are 100% free forever: risk score, security scan, Guard™ AI coach (covers 14 industries), chargeback alerts, on-chain identity. No credit card. Premium audits start at $4.99.

What makes Guard™ different from ChatGPT?

Guard™ has 2,800+ hours of vertical compliance research that no AI model has in training data. It knows the real VAMP formula, every processor's secret termination thresholds, 24+ PSP approval profiles, and industry-specific regulations. Plus it remembers YOUR business — chargeback rate, volume, processor, industry. ChatGPT gives textbook answers. Guard™ gives you exact numbers for YOUR situation.

I'm an AI agent developer. How does Guard™ help?

Guard™ certifies your agent's compliance with a 10-probe adversarial audit. Agents pay per-call with USDC on Base via x402 — no subscriptions, no API keys. One install and your agent is compliance-ready.

Ask Guard™ AI →

Add to Claude Code

MerchantGuard MCP

GuardScore, GuardScan, Mystery Shopper, 14 compliance coaches, agent certification — 25 tools in one command.

$claude mcp add merchantguard --transport sse https://merchantguard-mcp-810654658669.us-central1.run.app/sse

or install via npm: npm i @merchantguard/guard

Install Guard™. Get Protected.

One install. MCP, npm, or API. Guard™ learns your business and handles the rest.

Get Started Free

No credit card. No signup required for API.