The fraud crisis
Outdated fraud systems rely on easily bypassed surface-level checks. Cybercriminals are winning.
9%
of e-commerce revenue lost to fraud
<20%
Less than 20% of chargeback disputes are recovered
These losses hurt your merchants—but they also hurt your residuals. It’s time for a better solution.
Give your merchants total protection
How it works—lightning fast
Think of F3 as a real-time radar that identifies fraud before it even reaches your system.
Identify the person
F3 analyzes exclusive beyond-standard identifiers to verify the real cardholder.
Send verified data
Once confirmed, F3 sends the secure authentication to the issuing bank, shielding merchants from fraud claims—even friendly fraud.
Finalize risk-free
Only legitimate transactions go through, while fraudulent ones are stopped before processing.
Business impact that speaks volume
When merchants stop fraud before it happens, they gain real revenue—and so do you.
Fraud chargeback elimination
F3 blocks fraud at the issuer level, making fraudulent chargebacks practically impossible.
Revenue guarantee
Neutralizing fraud pre-processor means 9% more revenue stays with you and your merchants.
Merchant control
Merchants decide when to approve, review, or deny transactions—without the risk of fraud losses.
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.
