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.

AgentGuard. The compliance layer for the AI agent economy. By MerchantGuard®.

VAMP Enforcing · 0.9% threshold live

Free VAMP Calculator

Breaking

Faceless YouTube "Automation" courses · Stripe reviewing accounts <3mo history(2h ago)·CRITICAL: Vulnerability in popular AutoGPT fork allows RCE via prompt injection. Patch immediately.·Visa VAMP enforcement ramps to 0.9%. issuer pre-flagging hits 4× normal rate(4h ago)·Stripe Sessions Apr 29. agentic checkout panel confirms compliance "is the bottleneck"·Coinbase x402 ecosystem listing live. agent-native payments shipping at scale·Faceless YouTube "Automation" courses · Stripe reviewing accounts <3mo history(2h ago)·CRITICAL: Vulnerability in popular AutoGPT fork allows RCE via prompt injection. Patch immediately.·Visa VAMP enforcement ramps to 0.9%. issuer pre-flagging hits 4× normal rate(4h ago)·Stripe Sessions Apr 29. agentic checkout panel confirms compliance "is the bottleneck"·Coinbase x402 ecosystem listing live. agent-native payments shipping at scale

The Compliance Layer for the AI Agent Economy

The compliance layer for the AI agent economy.OFAC sanctions · LLM firewall · Kill Switch · sub-50ms verdict per call.

Quick start · Claude Code

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

51tools instantly available · sub-50ms verdict per call

See architecture Pay-per-call · USDC

AgentGuard™ USPTO 99462472OFAC SDN screening · liveSub-50ms · USDC on Base

Are you a merchant?See the merchant funnel →

TAGLINE

Works with your processor

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

One API call · Sub-50ms

Six layers. One signed verdict.

Agent inputs funnel into the MerchantGuard® compliance layer — KYA, OFAC sanctions, LLM firewall, GuardGate, GuardScore® API, Kill Switch — and fan out to a cryptographically signed verdict. Pay per call in USDC on Base.

01 · Input · Agent Requests

USDC payment on Base

x402 protocol

Stripe charge / dispute

webhook ingest

Conversational message

WhatsApp · Telegram · SMS · chat

AI agent tool call

MCP · OpenAI Agent SDK · Anthropic CU

Cross-platform agent identity

ERC-8004 soulbound · Arbitrum

02 · AgentGuard™. Agent Compliance Layer

AGENTGUARD™

one api call · cryptographically signed verdict · by MerchantGuard®

KYA

Know Your Agent · cross-platform identity lookup

<10ms

OFAC SDN

sanctions screening · live Treasury XML

<5ms

LLM Firewall

Sentinela L0→L1→L2→L3 · address detection

<10ms

GuardGate

capability-gated trust verification

<2ms

GuardScore® API

4-component composite risk score

<20ms

Kill Switch

FORCE_3DS · BLOCK · FREEZE actuator

<2ms

DAG Trust Attestation Token

multi-agent provenance · signed Merkle root

03 · Verdict · Cryptographically Signed

✓ALLOW200 OK

release transaction / agent action

✕DENY403 · audit logged

blocked · immutable evidence chain

!Enhanced Screening202 · queue

routed to manual review queue

◇Honeypotsilent · 200 OK decoy

attacker sees decoy response · trapped & profiled

AgentGuard™ USPTO 99462472 published Apr 14·4 patent provisionals filed Feb 17, 2026·Listed live on x402.org/ecosystem·Sub-50ms total per call

02 · AgentGuard™. Agent Compliance Layer

AGENTGUARD™

one api call · cryptographically signed verdict · by MerchantGuard®

KYA

Know Your Agent · cross-platform identity lookup

<10ms

OFAC SDN

sanctions screening · live Treasury XML

<5ms

LLM Firewall

Sentinela L0→L1→L2→L3 · address detection

<10ms

GuardGate

capability-gated trust verification

<2ms

GuardScore® API

4-component composite risk score

<20ms

Kill Switch

FORCE_3DS · BLOCK · FREEZE actuator

<2ms

DAG Trust Attestation Token

multi-agent provenance · signed Merkle root

USDC payment on BaseStripe charge / disputeConversational messageAI agent tool callCross-platform agent identity

✓ALLOW✕DENY!Enhanced Screening◇Honeypot

AgentGuard™ USPTO 99462472 published Apr 14·4 patent provisionals filed Feb 17, 2026·Listed live on x402.org/ecosystem·Sub-50ms total per call

See architecture →Pay-per-call · USDC →

Everything You Need to Stay Off the MATCH List.

Visa fines merchants $25K+ for high chargebacks. AgentGuard™ 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.

AgentGuard™ 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 with privacy-preserving verification. Agents prove compliance without exposing internals. 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. AgentGuard™ Knows YOUR Numbers.

AgentGuard™ 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...

AgentGuard™ (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 AgentGuard™ Knows That ChatGPT Doesn't

VAMP Formula

ChatGPT

Hallucinated or outdated thresholds

AgentGuard™

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

Processor Thresholds

ChatGPT

Doesn't know Stripe bans at 0.65%

AgentGuard™

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

AgentGuard™

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

Industry Rules

ChatGPT

Generic compliance advice

AgentGuard™

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

AgentGuard™

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.

FREE

Free Agent Monitoring

Your agent crashes at 3am. AgentGuard™ catches it. Suspension risk? AgentGuard™ alerts you. Quality dropping? AgentGuard™ flags it. 5 agents free. no credit card, no signup.

Health Pings

Suspension Alerts

Quality Scoring

Loop Detection

Karma Tracking

Telegram + Email

Start Free Monitoring

No credit card required. Set up in 2 minutes.

Free to Start. Pay As You Grow.

Agents pay per call in USDC on Base. Humans subscribe via Stripe. 51 pay-per-call tools, no API keys, no subscriptions for the agent path.

AGENTS

Pay-per-call · USDC

$0.001-$25 per route

BUILDERS

Solo · $19/mo

unlimited scans + scores + coach

ENTERPRISE

$299/mo

unlimited + SLA + Slack channel

See full pricing →x402 manifest →

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

API · ENTERPRISE · INFRASTRUCTURE

For Developers & Enterprise

Compliance APIs that integrate in minutes. Conversational fraud protection with patent-pending technology.

API1K free/mo

Sentinela API

Screen every message before your AI responds. 161 patterns x 6 languages. Sub-10ms. One API call.

EDGEFree (CF tier)

Edge Firewall

Block prompt injections at the CDN edge. Cloudflare Worker. Patent-pending phonetic folding catches evasion.

FREEFree

FleetScore

Agent fleet monitoring. Daily digest, solver API, anti-ban intelligence. No human login needed.

ISOFrom $2,500/mo

Kill Switch

Automated VAMP defense for ISOs. Fires FORCE_3DS when VAMP hits 1.3%. Graduated response. HMAC-signed webhooks.

FAQ

What happens if my chargebacks are too high?

Visa's VAMP program fines merchants $25K+ when chargebacks exceed 0.9%. AgentGuard™ 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, AgentGuard™ AI coach (covers 14 industries), chargeback alerts, on-chain identity. No credit card. Premium audits start at $4.99.

What makes AgentGuard™ different from ChatGPT?

AgentGuard™ 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. AgentGuard™ gives you exact numbers for YOUR situation.

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

AgentGuard™ 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 AgentGuard™ 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 AgentGuard™. Get Protected.

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

Get Started Free

No credit card. No signup required for API.