Eliminate Payment
Fraud at Check-Out

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.

After integration of the Fully Covered plan, 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.

Yes. You can start with Score Only which gives you real-time fraud scoring from day one, and upgrade to Fully Covered once you're ready for full chargeback indemnification. The transition involves a risk assessment to determine your risk profile.

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 — full documentation is provided after contract signing.

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.

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.

Yes, for fraud. Unlike iDEAL, Wero lets consumers dispute payments and escalate to a chargeback via their bank. Under Fully Covered, ProtectMaxx indemnifies Wero chargebacks raised as fraud (unauthorised payments, account takeover) on transactions we approved. Commercial disputes — item not received or not as described — relate to your fulfilment and are not covered.

Yes. A Merchant of Record carries fraud liability and chargeback ratios for all the merchants it sells for. ProtectMaxx scores every transaction before authorisation, blocking criminal fraud before it turns into fraud reports, pre-chargeback alerts and chargebacks. Score Only is available from day one at €0.10 per transaction; Fully Covered is available after a risk assessment and shadow period. Fraud scoring does not prevent friendly fraud or commercial disputes.

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.