ZeroRisk.io

High-Level Overview

ZeroRisk.io is a fintech cybersecurity company founded in 2023 that builds a cloud-native Merchant Management platform for real-time risk assessment, PCI DSS compliance, and cybersecurity insights.[1][2][4] It serves acquiring banks, payment service providers (PSPs), ISOs, digital sellers, and merchants—especially SMBs—solving the problem of complex, manual merchant portfolio risk management by automating dynamic risk scoring, compliance workflows, and remediation guidance at scale.[1][2][3][4] The platform turns fragmented processes into a unified system with actionable analytics, reducing vulnerabilities and enabling proactive security without merchant intervention, while recent $4M funding signals strong growth momentum for global expansion.[1]

Origin Story

ZeroRisk emerged from five years of planning and in-house technology development by industry pioneers with decades of combined expertise in payments and cybersecurity.[2][4] Co-Founder and CEO Gary Nolan leads the team, which includes talented executives drawn from these sectors to address drifting PCI DSS compliance—often treated as a mere tick-box exercise—and the need for real-time cyber risk validation.[1][4] The idea crystallized around a proprietary security risk scoring system, born from recognizing gaps in static, point-in-time assessments for merchant service providers (MSPs); early traction includes a 2025 US launch expanding its global presence from bases in Georgia, USA, and Ireland.[2][5]

Core Differentiators

• Proprietary Cyber Risk Scoring Engine: Automates portfolio-wide risk assessments without merchant input, providing real-time, contextualized insights into cybersecurity posture and compliance—unlike traditional static tools.[3][4]
• Unified, Modular Platform: Integrates PCI DSS compliance, NIST frameworks, device monitoring, automated workflows, and a solutions marketplace for scalable deployment, merchant engagement, and revenue opportunities.[1][2][3]
• SMB Democratization: Delivers enterprise-grade security tailored for small and mid-size businesses, bridging regulatory complexity with cost-effective, frictionless protection and remediation.[1][4]
• Actionable Insights at Scale: Dynamic analytics identify vulnerabilities early, reduce admin burdens, and transform compliance cost centers into revenue streams via targeted interventions.[1][3][4]

Role in the Broader Tech Landscape

ZeroRisk rides the surge in payment industry cyber threats and evolving regulations like PCI DSS 4.0, where fraud risks and third-party vulnerabilities demand proactive, automated risk management amid global digital payment growth.[1][4] Timing aligns with post-2023 compliance drifts and rising SMB cyber exposures, amplified by hybrid cloud adoption and real-time transaction volumes.[2][5] Market forces favoring it include acquirers' need for portfolio visibility, regulatory pressures from NIST and card schemes, and the shift from reactive to predictive security—positioning ZeroRisk to influence the ecosystem by enabling MSPs to validate risks independently, boost merchant resilience, and foster innovation in payments cybersecurity.[1][3][4]

Quick Take & Future Outlook

ZeroRisk is poised for accelerated global scaling post-$4M funding, with US expansion unlocking larger acquirer markets and potential integrations for emerging regs like PSD3.[1][5] Trends like AI-driven threat detection and zero-trust payments will shape its trajectory, evolving its platform toward predictive remediation and broader fintech risk tools. Its influence may grow by setting standards for automated merchant security, empowering SMBs in a threat-heavy landscape and redefining compliance as a competitive edge—much like how it began by simplifying the complex for financial institutions worldwide.[1][2][4]