MerchantGuard™

MerchantGuard delivers GuardScore™ — an AI‑powered risk signal that turns each merchant’s data into early‑warning insight for payment processors. Results arrive instantly inside our secure Telegram bot and via a password‑protected web portal or API endpoint — no heavy integration required. Why it matters • Dispute‑ratio caps are tightening (Visa VAMP drops to 0.9 %). • Fund freezes drain merchant cash‑flow and trigger processor fines. • Annual underwriting misses the day‑to‑day changes that create risk. GuardScore checks the pulse every month: merchants upload a CSV, answer a short Q&A, and receive a 0‑100 score plus clear, data‑backed recommendations. They also unlock in‑bot micro‑quizzes that teach best practices before their next filing — shifting teams from reactive damage control to proactive compliance. Where we’re headed • Self‑serve MVP ready for pilot commitments in 2025 • Bank‑ or PSP‑sponsored pilots scoped for 100 merchants across standard, growth‑stage, and high‑risk tiers Giving back A share of MerchantGuard revenue funds GuardianEd / @Panama_IA — free Spanish‑language channels that democratize AI skills and practical compliance know‑how across Latin America. Let’s connect — PSPs, acquirers, banks, and growth‑minded merchants interested in pilot or data‑licensing opportunities.