mi-pay.com

What It Is

ProtectMaxx is a checkout anti-fraud solution from Mi-pay, focused on digital goods transactions such as travel eSIMs, mobile top-ups, gift cards, game cards, and electronic money. These products are delivered instantly, can be resold, and are difficult to recover, making them genuinely high-risk categories for payment fraud and chargebacks. This is not a traditional payment gateway, but a risk decisioning and chargeback protection tool embedded into the checkout flow.

Core Capabilities and Payment Coverage

According to the page, its risk engine combines machine-learning neural networks, rule-based algorithms, anomaly detection, third-party data, historical transactions, email age, device fingerprinting, velocity checks, and 24/7 human analyst oversight. It can return approve-or-decline decisions in under 100ms. Supported payment methods include credit cards, PayPal, Klarna, Open Banking, Apple Pay, and Google Pay, with iDEAL, Bancontact, Wero, and others also mentioned in its plans. On compliance, the copy states that it is GDPR and PCI DSS compliant, but it does not disclose specific licenses or regulatory registration details.

Pricing and Plans

ProtectMaxx has two tiers: Score Only costs €0.10 per transaction, giving merchants a real-time fraud score so they can make their own decision; Fully Covered costs 1–2% per transaction depending on the risk profile and includes a 100% chargeback guarantee, meaning it absorbs chargeback losses when fraud slips through. Both tiers require a minimum commitment, but the page does not state the commitment amount. Full coverage also requires a 3–5 month shadow period for model calibration, meaning reimbursement protection does not take effect immediately upon integration.

Pros and Cons

Its main strength is its highly vertical positioning: it specifically targets high-risk payment scenarios for digital goods. It also offers both scoring and full coverage modes, allowing merchants to move gradually from fraud-risk assistance to risk transfer. The low-latency API decisioning is also suitable for real-time checkout flows. The drawbacks are that some metrics on the page show 0, possibly because dynamic data failed to load, so they should not be treated as credible performance proof. Supported countries, company location, minimum commitment, SLA, and dispute-handling details are not disclosed, so enterprise buyers should confirm these at the contract level before procurement.

Who It’s For and Access from China

It is best suited to merchants selling digital goods internationally, suffering relatively high chargeback losses, and wanting to block fraud before payment is completed—especially gift card, top-up, eSIM, and game credit platforms. If you only need acquiring, wallets, or local payment aggregation, it still needs to be used together with a PSP. Access from mainland China is not provided in the source text and is therefore unknown. Alternatives to compare include Riskified, Forter, Signifyd, Sift, Stripe Radar, Adyen RevenueProtect, and others.