Real-Time Identity Scoring · From Pre-Authorization to Dispute
Know who you're fighting. Before you authorize, before you refund, before you pay out.
Fraud prevention stops strangers. Chargeback tools fight disputes after they're filed. Nothing sits in the middle.
Kombatix scores identity at every critical point — pre-authorization screening against a growing network of known friendly fraudsters, and dispute-time defense with composite scoring at the moment of contact. Stop paying for transactions and refunds you don't owe.
- All identity fields match
- 8+ payment methods used
- Transactions from 5+ locations
The Gap in the Fraud Stack
Fraud prevention stops strangers. Chargeback alerts give you a warning. Neither tells you whether the dispute is real.
Your Kount or Signifyd catches the stolen credit card at checkout. Your Ethoca or Verifi alerts give you a window to refund before a dispute becomes a chargeback. But in between — when the authorized cardholder changes their mind, exploits your refund policy, or disputes a legitimate purchase claiming it wasn't them — you have nothing. No score. No proof. No answer. You guess, or you refund.
And when a fraud-coded chargeback does land at the bank, the burden shifts to you to prove the cardholder made the purchase. Most merchants lose. Without timestamped identity evidence — without a structured report tying the disputing party back to the original transaction — fraud-coded chargebacks become write-offs that no alert tool, no representment platform, no support script can recover.
Stage 1
Fraud Prevention
Kount · Signifyd · Stripe Radar
Gap Zone
Kombatix scores here
PreAuth screening · Defense scoring
Stage 3
Chargeback Resolution
Ethoca · Verifi · Chargebacks911
Kombatix fills the gap with real-time identity scoring at two critical moments: pre-authorization (PreAuth) screens against a known-fraudster network, and dispute-time (Defense) scores identity against the original transaction and returns a 0–100 composite score you can act on.
When a fraud-coded chargeback does land at the bank, every Defense report ships with a structured evidence package — composite score, identity match breakdown, reason codes, and a ready-to-use AI Defense Narrative — your team attaches directly to your representment submission. The issuer sees timestamped identity evidence proving the disputing party is the same person who made the purchase. The fraud claim falls apart. Cases that used to be write-offs become winnable, and merchants in production are doubling their fraud-chargeback win rate.
One platform · Two products
Identity scoring at both ends of the fraud lifecycle.
PreAuth screens transactions before authorization — API only. Defense scores identity at dispute time and is accessible two ways: through the API for engineering integrations, or through the Web Portal for support teams without developer capacity. Subscribe to either product on its own, or both side-by-side.
Pre-Authorization
Kombatix PreAuth
Dispute Defense · Two channels
Kombatix Defense — choose API or Web Portal
Kombatix PreAuth
Channel · API only
Screen every transaction against the growing Kombatix Network of confirmed friendly fraudsters — before you authorize. Lightweight API, millisecond response, fraction of a cent per no-hit check.
Kombatix Defense
Channel · API
Embed Defense scoring in your CRM, helpdesk, or chargeback workflow. Three engines, one composite score, AI-generated evidence narrative — sub-second REST response.
Kombatix Defense
Channel · Web Portal
Browser-only access for support and CX teams. Paste dispute details, get the same Defense Score with full report, AI insights, PDF export, and searchable history — no developer required.
The Kombatix Network
Every Defense scoring customer strengthens every PreAuth customer.
When a Defense score confirms friendly fraud — whether scored through the API or the Web Portal — that identity joins the Kombatix Network, the shared database every PreAuth customer screens against. The more merchants in the network, the more friendly fraudsters caught at pre-authorization, before the transaction completes. This is a flywheel, not a feature.
Proven in Production
Real customer outcomes from Kombatix Defense.
A leading digital subscription company — 500+ daily paying subscribers, friendly fraud as their #1 chargeback reason — integrated Kombatix Defense at two points in their support workflow.
10% → 5%
Refund Rate
−60%
Post-Contact Disputes
40% → 80%
Representment Wins
Customer anonymized; metrics verified from production API usage. Named-customer logos and case studies will be published as permissions are secured.
Pricing
Two products. Transparent pricing. No long-term contracts.
PreAuth screens transactions before authorization (API only). Defense scores identity at dispute time and is available through two channels — API for engineering integrations, Web Portal for no-code support teams.
Kombatix PreAuth
Pre-authorization network screening
Kombatix Defense · 2 channels
Dispute-time identity scoring — choose API or Web Portal
Kombatix PreAuth
from $49/month
API · pre-auth screening
- • Screen every transaction against the Kombatix Network
- • Sub-cent no-hit checks
- • Millisecond response
Kombatix Defense
from $75/month
API · dispute scoring
- • Three-engine composite identity scoring
- • AI-generated defense narrative
- • Ready-to-attach evidence package
Kombatix Defense
from $35/month
No-code · Web Portal
- • Browser-only access for support and CX teams
- • PDF export with AI insights
- • Searchable report history
API documentation available immediately after signup, and keys can be generated in minutes.
Built for Scale — Partnership Ready
Payment processors, fraud platforms, and acquirers embed Kombatix.
Payment processors, fraud platforms, and acquirers embed Kombatix scoring into their dispute workflows and pre-auth decisioning. Every partner integration expands the Kombatix Network — more data, more caught fraudsters, stronger outcomes for every customer.