Kumaa Guard — Stop Chargebacks Before They're Born

80% of chargebacks
can be avoided before they're even born.

Every chargeback tool on the market responds after the damage is done. Kumaa Guard prevents the chargeback from ever being created.

Book a Call with Ludo
Kumaa Guard
This Is How Friendly Fraud Works

This Is How Friendly Fraud Works

It doesn't look like fraud. It looks like a normal sale.

1
Customer places an order.
Nothing unusual.
2
You ship. Customer receives it.
 
Then this happens ↓
3
Customer calls their bank.
Claims they didn't make the purchase. This is where every other tool first gets involved.
4
You get an alert.
That alone costs $15 to $35.
5
Refund or fight with evidence.
Most merchants lose either way.
6
Product gone. Shipping paid. Hours wasted. Record hit.
Too many and you lose your account.
Everyone Else Reacts. We Prevent.

Everyone else reacts.
We prevent.

Every Other Provider

React after the dispute.

  • 1Customer places order. Nothing flagged.
  • 2You ship. Customer receives it.
  • 3Customer disputes. Tools kick in here.
  • 4You get an alert. $15 to $35 per alert.
  • 5Refund or fight. You lose either way.
  • 6Product gone. Fees paid. Record hit.
Kumaa Guard

Intervene at checkout.

  • 1Customer browses. Signals collected silently.
  • 2First check: risk score at the gateway.
  • 3Passes? Card details entered as normal.
  • 4Second check: card evaluated before charge.
  • 5You control the response. Your rules.
  • 6Customer pays via non-disputable method. No chargeback.
Every payment processor fights fraud for the cardholder. Almost no one is looking out for the merchant. Kumaa Guard is the only system that intervenes before a chargeback can ever be created.
Real Merchants. Real Results.

Real merchants.
Real results.

E-Commerce. Fitness Apparel.

“Friendly fraud was eating us alive. Customers would order, receive everything, then dispute it. After Kumaa Guard, the system scored orders at checkout. Within months, up to 80% of chargebacks on flagged orders were gone. Not fought. Not refunded. They never happened.”

— Sweat and Save
Fitness apparel & accessories
80%
Chargebacks prevented
Digital Subscription. Online Courses.

“With digital products, there's no proof of delivery. Someone buys a course, watches every module, then disputes the charge. Kumaa Guard runs two checkpoints before the transaction processes. Dispute volume dropped fast. Chargeback management went from a weekly crisis to something we barely think about.”

— Jamie Thornton
VP Revenue, LearnStack
↓
Weekly crisis to minor task
Ludovic Vuillier
Founder

Ludovic Vuillier

Founder & CEO, Kumaa Pay
“We built Kumaa Guard because every tool on the market was solving the wrong problem. They all wait for the chargeback to happen, then try to clean up the mess. We stop it at checkout. That's it.”

15 minutes. I'll show you what Guard looks like on your checkout.

Book a Call with Ludo