The fraud crisis
Outdated fraud systems rely on easily bypassed surface-level checks. Cybercriminals are winning.
9%
of eCommerce revenue lost to fraud
<20%
Less than 20% of chargeback disputes are recovered
Basic security is a costly liability, leaving you exposed to losses and endless chargeback battles.
Fight fraud with certainty, not guesswork
Forget basic checks. F3 dives deep
How it works—lightning fast
Think of it as a real-time radar that identifies fraud before it even reaches your system.
Trigger
At checkout, F3 springs into action with an intelligent SMS prompt.
Analyze
Our system instantly examines contextual data.
Decide
You receive crystal-clear insights and choose to approve, review, or block the transaction.
Business impact that speaks volume
F3 transforms your bottom line with unmatched fraud protection.
Fraud chargeback elimination
Fraud stopped BEFORE the processor. Fraud becomes IMPOSSIBLE at the issuer level. Zero fraud chargeback losses.
Revenue guarantee
Fraud neutralized pre-processor guarantees your revenue. Stop losing 9%. Protect 100% of your profits.
Merchant control
F3 stops fraud before it costs you. You remain in control, risk-free.
Outperforming traditional checks
Legacy Systems
IoniaPay F3
Verification is surface-level (CVV, address).
Verification uses exclusive information to confirm the actual cardholder.
Chargeback risk remains high, as fraud often slips through.
Chargeback risk shifts to the issuer, eliminating friendly fraud losses.
Data security relies on partial tokenization, leaving raw data exposed.
Data security is end-to-end tokenization, so raw data is never at risk.
Control is rigid and automated, limiting your options.
Control is real-time; you approve, review, or block each transaction.
