Payments · Fraud Protection
Every charge is scored before it settles. Risky ones get challenged, card testing gets blocked, legitimate buyers notice nothing at all, and the disputes that do land are ours to fight rather than yours.
THE PROBLEM
Fraud costs more than the stolen charge.
A chargeback takes the revenue, adds a network fee, eats an afternoon of evidence gathering, and pushes your dispute ratio towards the threshold where processors start asking questions. And the usual fix challenge everyone quietly costs more in refused good customers than the fraud ever did.
THE SOLUTION
The whole lifecycle, handled.
Suby scores device, velocity, geography and card history on every charge, then challenges, allows or blocks according to rules you can see and change. Because Suby is the merchant of record, the chargeback liability sits with us: disputes are handled end to end, with the evidence assembled automatically. Legitimate buyers see none of it.
Smart protection
without extra friction.
Defaults that work on day one, and rules you can tighten per product once you have data.
RULES
Allow, challenge or block, per product or per country. Every decision is logged with its reason, so a false block is diagnosable.
PCI
Card details are collected on Suby-hosted fields and replaced with tokens, so raw card data never touches your servers.
Fraud Protection in practice.
Who this is for
Digital sellers exposed to card testing and stolen credentials
SaaS companies with a dispute ratio towards the threshold
Businesses selling into markets with higher chargeback rates
Teams that need PCI-DSS coverage without building security in-house
Use cases
Block suspicious charges automatically with risk scoring
Trigger 3-D Secure only above a risk, not on everyone
Stop a card-testing burst before it costs you your acquirer
Hand dispute handling and chargeback liability to your merchant of record
Four steps, start to finish.
The charge is scored
Signals are collected at checkout and turned into a score, before authorisation.
Your rules decide
Allow, challenge with 3-D Secure, or block. Rules can differ per product or per country.
The outcome is logged
Every decision is visible with its reason, so a rule that fires too often can be found and loosened.
Suby answers the dispute
If a chargeback lands, the liability and the evidence work are ours as merchant of record.
What fraud protection works with.
Suby lets you accept cards, Apple & Google Pay, Klarna, crypto and more, all into one unified balance. Withdraw to your bank in your own currency, or to your wallet in stablecoins.
