Ricardo’s introduction of the payment method Moneyguard has sparked dissatisfaction among its users, particularly sellers who feel unfairly scrutinized. Critics express concerns over potential fraud and data privacy due to Ricardo’s partnership with a foreign payment provider. While Ricardo argues that Moneyguard will reduce buyer fraud, sellers complain about unfair treatment and longer payment processing times. Additionally, the inability to combine shipments for multiple purchases has added to the frustration, with promises from Ricardo to address these issues in the future.