Across the Board

Blog on e-business and online payments.

Antivirus for our bills

I’ve just found an interesting web-based application – BillGuard. It scans your credit cards daily, alerting you to hidden fees, billing errors, misleading subscriptions, scams and fraud.

Sounds interesting, doesn’t it?

How it works?

Application scans your card activity daily for hidden charges, billing errors, forgotten subscriptions, scams and fraud, and alerts you via email when your attention is required.

Each new transaction is analyzed by over 100 automated tests. BillGuard also scours the web for complaints posted by others about similar charges and merchants that appear on your bills.

A scan report is emailed to you monthly, providing a quick overview of BillGuard’s findings and an indication of how clean your cards are. Alerts are emailed immediately, giving you the peace of mind to use your cards freely.

Sure, but how exactly does it work? Are they integrated with an acquirer, PSP, card association or maybe the cardholder’s bank?
Yes, they are. They cooperate with several US banks (unfortunately BillGuard is currently limited to US) so they can see everything what they need to see.

And how can you reduce the volume of unwanted transactions?
There are two ways:

  1. You can flag some transaction as unwanted ones (you’re on your own here).
  2. You can trust other BillGuard‘s users. This way you can get an alert everytime a charge on your bill is flagged by anyone else.


One thing is for sure…
As a cardholder I’d say: this service is great!
As a managing director of a PSP company I’d say: not so great for e-business owners :)


Experienced executive, people-oriented leader, doer, entrepreneur. CEO at PayLane. Business educator on Also on Twitter.

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