Scheme fines are your biggest fraud-related cost. Every merchant with a chargeback ratio above the VAMP threshold brings you closer to enhanced monitoring or restricted acquiring status. GuardHive gives you real-time visibility into fraud across your entire merchant base.
Your fraud challenges
Scheme fines are climbing
Every chargeback triggers a Visa, Mastercard, or Amex fee. Hit Dispute Monitoring Program thresholds and the fines escalate. Breaching VAMP limits puts your acquiring license at risk.
Merchant fraud metrics are opaque
You don't have visibility into fraud happening inside each merchant's platform. You only see the chargebacks after the fact — too late to intervene.
Onboarding risk is hard to quantify
High-risk merchants often fail due diligence later, when they're already on your platform. Fraud detection at day 1 is your only defense.
Portfolio fraud patterns are invisible
You process billions in transactions but can't see the attack vectors emerging across merchants. You're always one step behind.
What changes after GuardHive
Scheme fines drop
Lower chargebacks across your merchant portfolio mean lower VAMP scores. You stay compliant and avoid enhanced monitoring.
Merchant fraud losses decrease
Real-time detection means fraud is caught at your network level before it becomes a chargeback downstream.
Onboarding risk assessed
High-risk merchants are identified before they go live. Reduce fraud, AML, and sanctions evasion risk from the start.
Proof for disputes
Every fraud detection decision is auditable. When merchants or schemes challenge your determinations, you have the full reasoning.
How it works for PSPs & Acquirers
At merchant onboarding
- Assess merchant application for fraud and AML risk
- Flag high-risk verticals and geographic patterns
- Soft KYC and identity verification integrated with fraud signals
- Assign fraud risk score before activation
At transaction processing
- Real-time decisioning visible to both PSP and merchant
- Monitor merchant chargeback ratio continuously
- Alert when merchant approaches VAMP or MCP thresholds
- Provide merchants with fraud prevention tooling
Ongoing monitoring
- Portfolio-wide fraud analytics and trends
- Identify merchants with rising chargeback rates
- Detect interconnected fraud rings across multiple merchants
- Compliance and audit reporting
Why PSPs & Acquirers choose GuardHive
- Scheme program compliance. VAMP, DMP, and MCP thresholds monitored automatically.
- Transparent to merchants. Merchants see why transactions were flagged or approved. Reduces disputes.
- Portfolio-wide visibility. See fraud patterns across thousands of merchants in one dashboard.
- Built for scale. Cloud-native. Processes billions of transactions daily for leading networks.
- Dedicated payments expertise. Your team gets a fraud analyst who understands acquiring, scheme programs, and PSP operations.