Protect Group lets PSPs, payment platforms and fintechs embed Refund Protect in their payment flows. Your merchants' customers get a clear route to a refund when the unexpected happens, disputes are resolved before they become chargebacks, and you earn new revenue from a value-added service.
Many chargebacks aren't fraud at all. A customer falls ill or their flight is cancelled, the merchant isn't at fault and won't refund, and the bank is the easiest place to turn. Traditional fraud tools only deal with unauthorised transactions, so these non-fault cases fall through the gap.
For payment providers, that gap shows up as:
Read "Value-added services: The untapped advantage in PSP differentiation."
Refund Protect sits inside your payment flow as an upgrade customers can add at checkout. If an emergency stops them attending or travelling, they apply for a refund through the Refund Platform instead of disputing the payment with their bank.
Add Refund Protect to your payment flow or hosted checkout once.
Offer it to merchants as a value-added service, with no build on their side.
They add Refund Protect to their ticket or booking for a small fee.
If something unforeseen happens, customers apply online, and Protect Group funds approved refunds.
Once Refund Protect is live, you can offer merchants more ways to add value at checkout through the same integration.
Customers cancel for any reason, with no evidence required, up to 24 hours before, and receive 50–80% of the booking value back. In ticketing, it's offered as a Flexible Refund Option.
Five travel extras: Flight Delay Compensation, Delayed Baggage Compensation, eSIM, Lounge Access and Carbon Offsetting, shown only where relevant to the booking.
Embedded refund protection is a refund option built into a payment flow. With Refund Protect, customers upgrade at checkout, and if an emergency stops them attending or travelling, they apply for a refund instead of raising a chargeback. Protect Group handles applications and funds approved refunds.
It gives customers in non-fault situations, such as illness or travel disruption, a clear and faster route to a refund than disputing the payment with their bank.
PSPs and platforms earn on every Refund Protect upgrade their merchants sell, as a new value-added service beyond transaction fees.
Protect Group funds every approved Refund Protect refund. The merchant keeps the original transaction revenue.
No. Refund Protect is an upgrade to a refundable ticket or booking, offered by the merchant at checkout.
