Fraud Protection and Chargeback Management
Simplify fraud prevention and chargeback management with a Merchant of Record that handles payment risk processes on your behalf.
Dispute and Payment Authorization Rates
- Dispute rate
- 0.05%
- Payment authorization rate
- 94%
- Active on every transaction by default
- 3DS
Protect Every Transaction With Intelligent Fraud Prevention
Fungies applies multiple layers of fraud protection throughout the payment process to identify and prevent suspicious transactions.
- AI-Powered Transaction Screening
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Transactions are evaluated using automated fraud detection systems that analyze multiple risk factors to identify potentially fraudulent activity.
- Automated Risk Scoring
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Each transaction is assessed based on risk indicators such as payment patterns, geographic signals, and historical transaction data.
- Real-Time Fraud Alerts
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Suspicious activity triggers alerts during the transaction process, helping identify potentially fraudulent payments and risk patterns.
- 3D Secure Authentication
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3DS is enabled by default for supported transactions, adding an additional authentication step when required during checkout.
- In-House Manual Review
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Our in-house team conducts additional manual reviews for suspicious activity patterns. When fraudulent activity is confirmed, appropriate action is taken.
- PCI DSS Compliant Infrastructure
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Payments are processed through a PCI DSS-compliant infrastructure, with card data handled securely throughout the payment process.
Reduce Chargeback Burden With a Merchant of Record
Fungies helps digital businesses minimize the impact of chargebacks on revenue and payment performance while maintaining a smoother purchasing experience for customers.
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Chargeback Prevention
Fungies helps prevent avoidable chargebacks by keeping transaction flows clear and resolving payment issues before they become disputes.
Refund requests handled directly through Fungies
Customer issues resolved without requiring a bank dispute
Clear refund process for eligible transactions
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Dispute Handling
Fungies takes responsibility for resolving payment disputes, allowing sellers to focus on their business instead of managing dispute processes.
Disputes handled under Fungies’ Merchant of Record entity
Bank and payment processor communication managed by Fungies
Sellers kept informed about disputed transactions
Chargeback amounts reflected in seller balances
Built-In Protection That Supports Global Payment Growth
Fraud prevention and chargeback management are part of the Merchant of Record model, not add-ons.
Maintain healthy payment performance
High authorization rates and reliable payment flows help businesses maximize successful transactions as they scale.
Protect revenue from payment disruptions
Reduce the business impact of fraud and chargebacks on revenue, customer experience, and payment operations.
Scale without adding risk overhead
Expand transaction volume and new markets without building internal payment risk management processes.
Fraud and chargeback questions
Who is responsible for chargebacks when I sell through Fungies?
Fungies is. As the Merchant of Record, Fungies is the legal seller on every transaction. Chargebacks are raised against Fungies, not your business.
What fraud prevention is included by default?
AI transaction screening, real-time fraud alerts, risk scoring, 3DS authentication where card-level support exists, and manual in-house review at the account level. All active by default with no setup required.
How does the system avoid declining legitimate buyers?
Transactions are evaluated by risk score, not a fixed rule. Moderate-risk transactions are reviewed before a decision is made. The scoring draws on cross-network card data that includes international transaction history, so buyers with unusual but legitimate patterns are not declined without cause.
Do I need to respond when a chargeback is filed?
No. Fungies handles all communication with the card network and the issuing bank. You receive a notification. No action is required from your side.
What happens to my balance when a chargeback or refund occurs?
Adjustments are applied to your seller balance automatically. For refunds, the transaction fee is deducted. The status and a credit note are updated against the original order in your dashboard.
Is 3DS enabled automatically?
Yes. Active by default on every transaction where the buyer's card supports it. No configuration needed.
Does fraud screening hold up as I expand internationally?
The scoring system uses cross-network card data that includes established international transaction patterns. Buyers in new markets are evaluated in context rather than treated as anomalies.
What is the benefit of fraud prevention being part of the Merchant of Record model?
A standalone fraud tool requires integration and still leaves chargeback liability with your business. With Fungies as your Merchant of Record, fraud prevention, tax compliance, and payment processing are handled by a single entity legally accountable for the outcome.
What sellers say once they have switched
Vadim Finayev “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.”
David Elliott “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.”
Elnura Abdimanap Kyzy “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.”
Francisco Magnone Rienzi “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.”
Hand the disputes to the seller of record
Screening, chargebacks and the paperwork that comes with them sit with us because the sale is ours. Create a workspace, run a payment through the sandbox and watch the events arrive.