Filter fraud at the gateway. Not after.

DigiChek stops synthetic identities and fraudulent transactions before they reach your bank: eliminating chargebacks, interchange costs, and dispute fees at the source.

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The fraud your current system can’t catch

Right now, every transaction that passes through your payment gateway gets routed to your bank and payment processor before any meaningful identity check happens. Fraud detection tools work hard, but they work on the wrong side of the net.

Your bank identifies a fraudulent transaction. But by then, you’ve already paid the interchange fee to get it there. The chargeback comes back to you. The dispute costs you again. And the synthetic ID that slipped through will try again tomorrow.

The result? Businesses in high-risk transaction environments — online gaming, digital goods, loyalty programs, gift cards, recurring billing — are haemorrhaging money on fraud they could have stopped before it started.

$362M

Card payment fraud in Australia annually.

$35B

Annual global losses to synthetic identity fraud.

$3000

Average cost per synthetic identity incident.

We turned the payment gateway into a filter

Most fraud prevention operates either before the transaction (merchant-side behavioural analysis) or after it (issuer-side risk scoring). The payment gateway itself is just a conduit, a net that everything passes through without filtering. 

DigiChek changes that. We operate at the payment gateway, confirming the identity and real-time consent of the person initiating the transaction before it’s routed to your bank or payment processor. If the key doesn’t match, the transaction stops before interchange fees are triggered, before the issuer is involved, and before a chargeback can occur.

Unlike Stripe ID, PayPal verification, or bank-level SMS authentication, which all operate after the gateway, DigiChek acts before these systems ever see the transaction. We complement your existing stack, we don’t replace it.

How it works at the gateway

When a customer reaches checkout, their transaction details are sent to the payment gateway as normal. Before the gateway routes this to the bank, DigiChek performs an instant check:

  • Does a DigiChek Key exist for this identity (name, date of birth, place of birth)?
  • Does the key entered match the registered credential?
  • If yes: transaction proceeds. If no: transaction is blocked at gateway level and at gateway cost.

For customers without a key, the transaction passes through as normal. Fraud filtering activates
only for verified users, making adoption incremental and risk-free for rollout.

What this means for your business

  • Stop chargebacks before they start. Fraudulent transactions that never reach the bank can’t generate chargebacks.
  • Eliminate downstream bank fees on fraud. No interchange fees on transactions that would have been reversed.
  • Protect your merchant facility. Businesses whose chargeback rates breach thresholds risk losing payment processing altogether. DigiChek reduces that risk directly.
  • No friction for legitimate customers. Verified users enter their permanent key once at checkout — faster than waiting for an SMS code.
  • Device-agnostic. Unlike competitor solutions that tie identity verification to a specific device or app, DigiChek keys work on any device, anywhere.
  • AI-resistant. Automated fraud bots cannot replicate a permanent, user-controlled key. Every transaction requires real-time, individual input.
  • No system overhaul. DigiChek integrates via a lightweight SDK. Your payment gateway, your bank relationships, your checkout flow — none of it changes.
  • Live in four days. Fully remote implementation, no infrastructure investment required.

Industries where DigiChek pays for itself

DigiChek delivers the clearest ROI in industries where chargebacks are existential rather than merely costly:

  • Online gaming and wagering — where chargeback thresholds can end your merchant facility
  • Digital goods and software — high dispute rates, low physical recourse
  • Loyalty programs and gift cards — vulnerable to duplicate account fraud and synthetic IDs
  • Recurring billing and subscriptions — where stolen credentials compound losses over time
  • Financial services and lending — where identity confirmation is both a commercial and regulatory requirement

Stop paying for fraud that shouldn’t reach you

Talk to us about how DigiChek fits your payment environment. We can model the cost impact for your specific transaction volume and chargeback rate.

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Download the Technical Overview