Eliminate payment fraud at check-out
100% chargeback guarantee available
The only solution in the industry that fully indemnifies you. If fraud slips through, we cover it - not you.
Built for high-risk digital goods
Gift cards, top-ups, e-money, game cards — we protect the products most vulnerable to fraud.
Self-learning fraud engine
Every transaction makes our AI smarter. The more you sell, the more protected you are.
Protect the sale of digital goods online, such as
Stop payment fraud
Prevent the hassle and financial damage associated with payment fraud, such as:
Advanced fraud protection
State-of-the-art anti-fraud engine
We combine machine learning, a rule-based algorithm and 24/7 oversight of human analysts.
Integrated into your checkout
Protectmaxx is integrated at the checkout and analyses every transaction across multiple data sources.
decision
<100ms
approval
request
e.g. previous transactions
e.g. customer data & payment details
e.g. e-mail age and 3rd party feeds
transaction
Sell your digital goods with confidence
What's included:
API integration with any e-commerce platform
Real-time AI/ML fraud scoring per transaction
Covers iDeal, Bancontact, Wero, Open Banking, PayPal, Credit Card, etc.
Full GDPR and PCI DSS compliance
€ 0,10 / transaction
Min. commitment required
Everything in Starter, plus:
100% chargeback guarantee
Dedicated fraud analyst team on your account
Custom fraud rules built around your business
and risk profile
Covers also PayPal, Apple Pay and Google Pay
1% – 2% / transaction depending on risk profile
Min. commitment required
FAQ
Does Protectmaxx work for physical goods or only digital goods?
Protectmaxx is purpose-built for digital goods - such as top-ups, eSIMs, gift cards, game cards and e-money. Its fraud models are trained specifically on digital goods transaction patterns, where fraud risk is highest due to instant delivery and high resale value. If you sell physical goods, contact us to discuss what's possible.
What happens during the shadowing period before indemnification kicks in?
After integration of Fully Covered model, Protectmaxx runs alongside your checkout for 3–5 months in "shadow mode." During this period, transactions are analysed but not yet indemnified. This allows the system to learn your transaction patterns and for our team to calibrate the fraud model to your business before taking on full liability.
Can I upgrade from Score Only to Fully Covered later?
Yes. You can start with Score Only which gives you real-time fraud scoring from day one with no minimum commitment and upgrade to Fully Covered once you're ready for full chargeback indemnification. The transition involves a risk assessment to determine your profile.
What data do you need from my platform to get started whe Fully Covered?
To onboard, it helps to have up to 6 months of historical transaction data available. This is used during the shadowing phase to train and calibrate your fraud model. The integration itself requires connecting to our API at checkout and full documentation is provided after contract signing.
How does Protectmaxx handle false positives - legitimate orders being declined?
Our multi-layered approach, combining machine learning, rule-based algorithms and 24/7 human analyst oversight, is specifically designed to minimise false declines. The goal is to approve as many legitimate transactions as possible while blocking fraud, achieving up to 99% acceptance rates depending on product type.
Is there a minimum transaction volume to qualify for Fully Covered?
This isn't stated on the page and is determined during the Risk Assessment phase of onboarding, where your business is profiled as low, medium or high risk. Contact us to find out if your current volumes qualify.
What do I do if Protectmaxx flags a transaction as fraudulent under the Score Only plan? Do I have to decline it myself?
Yes, under Score Only you receive a fraud score and recommendation per transaction but the final call is yours. You decide whether to proceed, decline or apply additional verification. This gives you full control while still benefiting from our real-time AI/ML fraud intelligence.
Does Protectmaxx replace 3DS2 or work alongside it?
Protectmaxx works alongside 3DS2 rather than replacing it. By intelligently assessing risk per transaction, it selectively applies 3DS checks only where needed, avoiding unnecessary friction on low-risk orders while keeping high-risk ones secure. This keeps conversion rates high while staying SCA-compliant.
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How may we help?
Use the contact form and one of our Revenue Geeks will be in touch shortly!
