Global · Any Processor · Any Country

Merchant protection for any processor. Any country.

A full-stack global merchant protection platform — sanctions screening, adaptive risk scoring, chargeback defense, and blockchain audit trails. No processor change required.

No processor change required ISO white-label licensing Patent-Pending Proprietary IP
🔒 SOC2-Ready
📋 PCI DSS 4.0
🔍 GDPR & ISO 27001
<50msGlobal Verdict
6Regional Modules
PSD2/SCAEU Compliant
FATF 40Recommendations Aligned
Protection Stack

Seven layers, running on every transaction.

Each layer runs simultaneously — a single verdict returned in under 50ms.

L1
Sanctions Screening
OFAC + UN + EU + UK + MENA
Live
<5ms
L2
Adaptive Risk Score
Machine learning, 0–100 per transaction
Live
<20ms
L3
Velocity & Pattern Detection
Card, IP, device, merchant
Live
<10ms
L4
PSD2 / SCA Enforcement
EU — 3DS2
Active
3DS2
L5
Chargeback Monitor + Kill Switch
FORCE_3DS @1.0% · BLOCK @1.3%
Armed
Real-time
L6
Blockchain Audit Anchoring
Fortress tier
Live
Base L2
L7
Dispute Evidence Packages
Visa/Mastercard representment — Fortress
Ready
Auto
Compliance Frameworks

Self-assessed alignment, continuously monitored.

Internal control scanning across 8 frameworks — not a substitute for formal third-party attestation, but continuously monitored and current.

🛡 SOC 2
Aligned
💳 PCI DSS 4.0
Aligned
🇪🇺 GDPR
Aligned
📜 ISO 27001:2022
Aligned
🇺🇸 NIST CSF 2.0
Aligned
🚨 CISA
Aligned
📖 NIST 800-53 Rev 5
Aligned
🛡 NIS2
Aligned
Global Coverage

One stack. Every jurisdiction.

Modular compliance architecture covering major sanctions regimes and regulatory frameworks for US-allied merchants worldwide.

Included in All Plans

🇺🇸 US Core

OFAC SDN, FinCEN, Reg E, and BSA compliance. Visa/Mastercard chargeback rules.

OFACFinCENBSAReg E
+$49/mo

🇪🇺 EU Module

EU Consolidated Sanctions, PSD2 Strong Customer Authentication via 3DS2, GDPR-compliant data handling, EBA guidelines.

EU SanctionsPSD2/SCAGDPR3DS2
+$29/mo

🇬🇧 UK Module

UK OFSI, FCA compliance documentation, post-Brexit sanctions divergence tracking.

OFSIFCAUK Sanctions
+$49/mo

🌙 MENA Module

UAE CBUAE, Saudi SAMA, FATF MENA, GCC entity screening.

CBUAESAMAFATF MENAGCC
+$49/mo

🌏 APAC Module

AUSTRAC (Australia), MAS (Singapore), JFSA (Japan), RBI (India). APAC-specific AML pattern detection.

AUSTRACMASJFSARBI
+$39/mo

🌍 Global AML Module

FATF 40 Recommendations, global PEP (Politically Exposed Persons) database, UN Consolidated full feed.

FATF 40UN ConsolidatedPEP DB
Pricing

Transparent pricing. Instant activation.

Dashboard credentials delivered automatically within 60 seconds of payment. No sales call required.

Valor
any processor
$49/mo
  • OFAC + UN sanctions screening
  • Transaction risk scoring (ML)
  • Velocity & pattern detection
  • Chargeback ratio monitoring
  • Protection dashboard
  • Regional modules from $29/mo
Get Valor
Fortress
all regional modules included
$249/mo
  • Everything in Armor
  • Cryptographic attestation
  • All 6 regional modules included
  • Quarterly account review
  • Priority representment support
Get Fortress →

White-Label License

$500–$2,500/mo + 0.25% volume

Full white-label rebrand — your name, your logo. All 7 layers, all 6 regional modules, multi-tenant merchant management, custom domain. Your merchants pay you directly.

Inquire About White-Label →

Enterprise License — Banks & Acquirers

From $50K one-time

Full source code license, deployed in your own infrastructure. Dedicated implementation team, SLA-backed annual support.

Contact for Enterprise →

The 0.25% transaction override on all MerchantArmor plans is fully disclosed in the license agreement.

Get Started

Live in under 60 seconds.

Subscribe, connect your webhook, and MerchantArmor fires on every transaction automatically.

01

Choose Your Tier

Select Valor, Armor, or Fortress. Add regional modules for your markets.

02

Pay & Get Access

Dashboard credentials arrive in your inbox within 60 seconds automatically.

03

Add Your Webhook

Copy your MerchantArmor webhook URL into your gateway settings. 10 minutes, no code required.

04

Protected Globally

Every transaction runs through all active protection layers simultaneously.

Any merchant. Any country.

Start at $49/month. No processor change. No long-term contract. Instant activation.