PayArmor is a payments risk consultancy built by underwriters, not theorists. We help merchants and processors cut fraud losses, reduce chargebacks, and stay ahead of compliance.
Get Your Free Risk Score →Takes under 3 minutes. No commitment required.
Deloitte, KPMG, and their peers charge six-figure minimums and take months to deliver. By the time their report lands, you've already lost another quarter of revenue to chargebacks.
High-risk merchant account providers place your account and move on. They optimize for their commission, not your risk posture. You need someone in your corner.
PCI DSS 4.0. FedNow. Tightening Visa and Mastercard dispute thresholds. Every quarter brings new rules. Falling behind means fines, freezes, or losing your processing entirely.
AI-generated fraud attacks are outpacing legacy detection systems. Card-not-present fraud, friendly fraud, and synthetic identity schemes require modern countermeasures.
Full assessment of your underwriting criteria, monitoring tools, and chargeback management processes. Identify gaps before they become losses.
Targeted strategies to bring your dispute ratios below card network thresholds. Prevention, representment, and process redesign.
PCI DSS 4.0 readiness, card brand monitoring program compliance, and sponsoring bank requirement alignment. Stay ahead of enforcement.
Merchant portfolio review for ISOs and PayFacs. Separate the genuinely risky accounts from the ones you're leaving money on the table for.
Build layered defenses against card-not-present fraud, friendly fraud, and synthetic identities. Real-world frameworks, not whitepapers.
Navigate sponsoring bank reviews, respond to inquiries, and maintain strong processor relationships. We speak their language.
PayArmor isn't another consulting deck factory. It's founded by a certified payments professional who has sat in the underwriting chair, worked the systems, and negotiated with sponsoring banks firsthand.
Electronic Transactions Association Certified Payments Professional, the industry's gold standard credential.
Hands-on with TSYS, First Data, and multiple acquiring bank environments across diverse merchant verticals.
From merchant onboarding through ongoing monitoring to dispute resolution, every stage of the risk pipeline.
Experience working directly with sponsoring banks on account resolutions, approvals, and compliance matters.
PayArmor exists because mid-market merchants and processors deserve the same caliber of risk expertise that the largest enterprises get, without the six-figure price tag.
Start Your Free Assessment