Deliver certainty, not decisions.
Protection isn’t enough, merchants need an operational advantage. Legacy fraud tools rely on scoring models and static rules, forcing them to choose between security and conversion, with no guarantee of either.
F3 gives your portfolio that edge, confirming legitimacy before risk becomes a problem. This isn’t fraud detection. It’s fraud elimination.
No chargebacks. No liability.
Validated transactions shift responsibility to the issuer, blocking fraud before it costs time, money, or trust.
Maximized approvals
Merchants keep more good sales and minimize false flags using real-time confirmation, not probability scoring.
Custom risk alignment
Protection adapts to each merchant’s risk tolerance without guesswork or extra configuration.
Fraud defense. Reinvented.
How it works—lightning fast
F3 operates like real-time radar that scans, verifies, and blocks fraud before it ever reaches a merchant’s system. No delays. No downstream damage. Just clear, confirmed transactions.
Validate the cardholder
F3 uses multi-factor identifiers to verify true customer identity (not just card data) ensuring the transaction starts with a legitimate user.
Send verified data
Once confirmed, F3 delivers issuer-grade verification signals that shift chargeback liability and stop friendly fraud before it starts.
Finalize risk-free
Only F3-validated transactions go through. High-risk and fraudulent attempts are blocked before submission to the processor. No disputes or reversals.
Beyond surface-level checks
Outdated fraud systems rely on easily bypassed surface-level checks.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
Every dollar lost to fraud erodes merchant trust, and reduces your residuals.
IoniaPay F3 vs. traditional fraud checks
Legacy systems
IoniaPay F3
Surface-level verification (CVV, AVS (address) easy to by-pass.
Proprietary verification confirms the legitimate account holder.
High chargeback risk–fraud often slips through.
Chargeback risk shifts to the issuer or fraud is blocked pre-authorization.
Partial tokenization leaves sensitive data exposed.
Tokenization with multi-layered verification protects sensitive data in real time.
Rigid, automated controls limit merchant’s risk management.
Flexible, real-time configurable controls match merchant risk tolerance.
Tighter thresholds. Zero guesswork.
Visa’s VAMP program merges fraud and dispute monitoring, slashing thresholds as low as 0.50% for disputes and 0.30% for fraud. F3 helps merchants reduce risk and stay in line with these limits.
Block fraud before it counts
F3’s triple-factor authentication stops bad transactions early, keeping them off VAMP reports.
Built-in compliance
F3’s dynamic decisioning helps merchants reduce fraud ratios and stay in line with VAMP thresholds without increasing decline rate.
Avoid penalties & fines
Lower dispute rates help merchants stay clear of Visa’s monitoring program.
Protect merchant trust
Fewer chargebacks = happier merchants, healthier portfolios, and minimal oversight.