Anti-Fraud Solution

Eliminate Payment
Fraud at Check-Out

Block fraudulent transactions while maintaining one of the highest acceptance rates in the market. With 25+ years in payment security, we turn fraud risk into competitive advantage.

$91 billion — projected cost of payment fraud to merchants by 2028
Compare Plans How it works
Transaction Screened Chargeback Blocked Identity Verified Fraudster Flagged Revenue Protected ML Model Updated Card Test Detected ATO Prevented Transaction Screened Chargeback Blocked Identity Verified Fraudster Flagged Revenue Protected ML Model Updated Card Test Detected ATO Prevented
0%
Acceptance rate
for legitimate orders
<100ms
Live risk decision
at checkout
0
Transactions
protected
0
Years in payment
security
Why ProtectMaxx

The Only Solution That
Fully Indemnifies You

Digital goods are instant, irreversible and a prime target for fraud. ProtectMaxx gives merchants the tools to turn that risk into a competitive advantage.

🛡️
100% Chargeback Guarantee Available
The only solution in the industry that fully indemnifies you. If fraud slips through, we cover it — not you.
Industry First
🎯
Built for High-Risk Digital Goods
Gift cards, top-ups, e-money, game cards — we protect the products most vulnerable to fraud with models trained specifically on these verticals.
🤖
Self-Learning Fraud Engine
Every transaction makes our AI smarter. The more you sell, the more protected you are. Continuously adapts to new fraud patterns in real time.
Coverage

Protect the Sale of
Digital Goods Online

ProtectMaxx is specifically engineered for the instant-delivery, high-resale-value products that fraudsters target most.

✈️ Travel eSIM 📱 Mobile Top-Up 🎁 Gift Cards 🎮 Game Cards 💶 e-Money
Payment methods supported (o.a.)
Credit Card
PayPal
Klarna
Open Banking
Apple Pay
Google Pay
PROTECTMAXX — LIVE DECISION
transaction_id TXN-8821-XC product Mobile Top-Up €50 payment_method Credit Card
ip_country NG → billing: NL velocity_1h 14 attempts device_flagged × 3 prior cases email_age 2 hours card_history clean
ml_score 94 / 100 analyst_flag confirmed decision ⛔ BLOCKED latency 87ms
status monitoring _
Process

State-of-the-Art
Fraud Engine

We combine machine learning, a rule-based algorithm, and 24/7 oversight by human analysts — integrated at checkout and returning a fraud decision within milliseconds.

01
DEVICE IP / GEO EMAIL AGE ENRICH 40+ signals READY → score
Ingest & Enrich
Every transaction triggers a real-time pull across internal data (previous transactions), transaction data (customer & payment details), and external data (email age, third-party feeds).
02
ML RULE SCORE ✓ APPROVE ⛔ BLOCK < 100ms
AI Score & Decide
Our ML neural network, rule-based algorithm, anomaly checks, and 24/7 human analysts combine to produce a live risk decision — approve or decline — in under 100ms.
Live risk decision <100ms
03
TXN DATA LEARN ADAPT SELF-LEARNING LOOP
Adapt & Improve
Chargeback reports feed back into the model. Every transaction — yours and across the network — makes ProtectMaxx smarter. The more you sell, the more protected you become.
Plans

Sell Digital Goods
With Confidence

Pick the level of fraud protection and let us handle the rest. Start with scoring, upgrade to full indemnification when ready.

Plan 01
Score Only
€0.10
per transaction · Min. commitment required
For merchants who want fast, smart fraud scoring to protect their digital goods sales from day one. You receive the score — you make the call.
  • API integration with any e-commerce platform
  • Real-time AI/ML fraud scoring per transaction
  • Covers iDEAL, Bancontact, Wero, Open Banking, PayPal, Credit Card and more
  • Full GDPR and PCI DSS compliance
Get Started
Full Cover
Plan 02
Fully Covered
1–2%
per transaction depending on risk profile · Min. commitment required
For merchants who want to fully eliminate fraud risk. We take on the liability on every chargeback. Fully indemnified — if fraud slips through, we cover it.
  • Everything in Score Only, plus:
  • 100% chargeback guarantee
  • Dedicated fraud analyst team on your account
  • Custom fraud rules built around your business and risk profile
  • Also covers PayPal, Apple Pay and Google Pay
Contact Us
* Fully Covered includes a 3–5 month shadow period for model calibration before indemnification begins.
Trusted by leading operators
Certifications & Compliance
PCI DSS Level 1 Highest level of payment security certification
EcoVadis Certified Recognised for sustainability performance
GDPR Compliant Full EU data protection compliance
FAQ

Common Questions
Answered

Everything you need to know before getting started with ProtectMaxx.

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 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.
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, and upgrade to Fully Covered once you're ready for full chargeback indemnification. The transition involves a risk assessment to determine your risk profile.
What data do you need from my platform to get started with 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 — 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.
Under Score Only, who makes the final call on a flagged transaction?
+
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.
Get Started

Ready to Eliminate
Payment Fraud?

Talk to our fraud specialists. We'll assess your current exposure and show you exactly how ProtectMaxx protects your revenue.

Request a Demo
Contact

How May We
Help?

Fill in the form and one of our fraud specialists will be in touch shortly.

⚡
Fast response
We typically respond within one business day
🛡️
Free fraud exposure audit
We'll assess your current risk profile at no cost
📍
Mi-pay London
30 Crown Place, Earl Street
London, EC2A 4ES, United Kingdom