Use Cases
Chargeback Fraud Prevention
The transaction was authorized. The product was delivered. The customer says it wasn't them. And you lose twice — the sale and the dispute fee.
Talk to Sales
What’s at Stake
A loss you pay for three times
Chargebacks don't just reverse revenue — they compound it. You lose the product or service already delivered. You pay the dispute fee. And your chargeback ratio climbs, putting your processing agreements and platform reputation at risk.
The worst part: most chargeback fraud isn't committed by criminals. It's committed by real customers with real cards who dispute legitimate transactions. This is friendly fraud — and your existing fraud tools weren't designed to catch someone who is exactly who they claim to be.
The only defense is proof. Not rules. Not scores. Proof that the person who authorized the transaction was the rightful cardholder, at that exact moment.
The worst part: most chargeback fraud isn't committed by criminals. It's committed by real customers with real cards who dispute legitimate transactions. This is friendly fraud — and your existing fraud tools weren't designed to catch someone who is exactly who they claim to be.
The only defense is proof. Not rules. Not scores. Proof that the person who authorized the transaction was the rightful cardholder, at that exact moment.
The sale
Revenue reversed on a transaction you already fulfilled.
The fee
Dispute processing costs charged by the issuer — regardless of the outcome.
The ratio
Every chargeback pushes you closer to penalties, higher processing fees, or losing your merchant account entirely.
The Unico Approach
Don't dispute chargebacks. Prevent them from being opened.
Unico turns every transaction into verifiable proof of identity. When a payment is authorized through our platform, you have biometric evidence that the rightful person was present at the moment of transaction — evidence strong enough that issuers don't open the dispute in the first place.
Identity-level transaction proof — Every payment is tied to a biometric verification — liveness, identity confirmation, and behavioral signals captured at the moment of authorization. If the cardholder later claims it wasn't them, you have proof it was.
Issuer network partnership — Connected to 25+ card issuers covering 85% of cards in the Brazilian market. When a transaction is verified by Unico, partner issuers can resolve disputes before they become chargebacks — reducing your exposure at the source.
Protected in your most critical moments
Card-not-present payment authorization
High-value online purchases
Digital goods and subscription payments
Card assignment to a digital wallet
Recurring payment enrollment
Cross-border e-commerce transactions
Unico Proven At Scale
R$ 2B+
Monthly GMV processed through Unico's payment verification
99.99%
Accuracy — deterministic answer per transaction
67%
Reduction in drop-off during payment verification
