Payments engineered for approved sales

At pmtbox, we see every transaction from checkout to chargeback and turn more of them into approved sales. We cover the full cost of any fraud we approve and represent every dispute for you. One partner, one system, one team accountable for the result.

Schedule a call Outcomes: A multi-channel retailer runs every sale on one system
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Brands working with pmtbox

Businesses from quick-service counters to global apparel brands.

  • Domino's
  • Audi
  • Ace Hardware
  • Wrangler
  • Champion
  • Quiksilver
  • RVCA
  • Dickey's Barbecue Pit
  • Taco Time
  • Troy Lee Designs
  • Spyder
  • Lofty
  • The Salvation Army
  • Honest

Three ways pmtbox lifts your approved sales

Fraud Ownership: take fraud loss to zero

We cover the full cost of every fraudulent transaction our system approves.

  • We manage fraud at every step of the sale, from checkout to chargeback.
  • You see every payment attempt and every decline reason.
  • Your fraud loss is zero on the Enterprise plan.

When you click Simulate checkout, our proprietary fraud model compares the order to your good customers and known fraud, then approves, challenges, or blocks it before authorization.

Outcomes: An action sports brand stops card testing and approves more good orders

Ecommerce fraud will grow 133 percent by 2030, to $131 billion.Source: Juniper Research, eCommerce Fraud Prevention Market 2025-2030, February 2026
pmtbox Risk Shield

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Proprietary fraud model

The pmtbox proprietary fraud model compares each order to your good customers and to known fraud, before authorization.

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Run a checkout to see pmtbox decide.

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Decisions appear here.

Chargeback Automation: win more disputes, keep more revenue

Because we see the data legacy vendors do not, we win more disputes for you.

  • We represent your disputes automatically. Your team collects no documents.
  • You get chargeback causes sorted by category: delivery issues, product issues, and others.
  • You win disputes legacy vendors would lose.
  • Your team gets back the hours it spends on disputes today, because we gather the evidence and file every response.

Outcomes: A restaurant franchise group cuts chargebacks reaching its account

Fraud drives 45 percent of merchant chargeback volume worldwide.Source: Mastercard, 2025 State of Chargebacks, with Datos Insights
Stage 4 of 4
26of 100 reach your account

  • We block fraud before authorization
  • We cover fraud we approve

  • We resolve it before a chargeback
  • We file evidence for you
  • Delivery issues · 12
  • D-2291 · Item not receivedWon$142.00 · Tracking matched
  • D-2288 · Late deliveryWon$88.40 · Delivery date confirmed
  • Product issues · 7
  • D-2286 · Not as describedWon$219.00 · Photos attached
  • Fraud · 4
  • D-2279 · Card not presentCovered$289.00 · Fraud Ownership
Representment · D-2291Won

Evidence from your transaction record

  • Order and checkout recordCheckout
  • Authorization and AVS matchPayment
  • Risk signals at checkoutFraud check
  • Carrier delivery confirmationFulfillment
  • Customer messagesSupport
We submit it for you

Conversion Optimization: stop declining good customers

We see every payment attempt and every decline reason, from checkout to chargeback.

  • You see where shoppers leave the payment page and why payments decline.
  • You get specific actions to approve more good payments.
  • Your revenue grows because fewer good shoppers get declined.

Outcomes: A home goods brand turns more payments into approved sales

65 percent of businesses estimate 2 to 10 percent of their online orders are good orders declined as fraud.Source: Merchant Risk Council, 2026 Global eCommerce Payments and Fraud Report, survey of 1,278 payment and fraud professionals
After the action
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Soft declines now retry on a different network, so approved orders rise 5 points.

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Orders appear as shoppers check out.
5 of 8 declines are soft declines, such as issuer timeouts.Applied
Mobile shoppers drop twice as often at card entry as desktop shoppers.

One record from checkout to chargeback

ONE PMTBOX RECORD 01 CHECKOUT 02 PAYMENTS 03 FRAUD ATTEMPTS 04 DISPUTES 05 REPRESENTMENTS 06 SALES RECORD

From checkout to chargeback

One view legacy vendors don’t give you

Legacy vendors each see one slice. We see every transaction from checkout to chargeback.

Built on your history

The more you sell, the better our decisions get

We compare each new order to every order before it, so decisions get more accurate the longer you’re with us.

Aligned incentives

We win when your payments succeed

Legacy vendors charge the same fees regardless of results. Your rate stays the same as you grow.

Built for operators and portfolio owners

Early warning

Catch card testing before the reserve hold

Because we see your full transaction data, we flag card testing before approval rates drop.

We blocked it before your approval rate moved

One number to call

We answer when you call

One number covers your fraud, disputes, and payments, so you never route between vendors to get an answer.

Payments, fraud, and disputes

Portfolio visibility

Every franchise location in one view

Group your locations by geography, brand, franchise group, or business line. We monitor sales performance for each active brand and location. Then send finance a monthly export of revenue and acceptance cost.
Store 14, Denver2.21%
Store 3, Salt Lake2.34%
Store 22, Phoenix2.27%
Store 9, Boise2.18%

Grow your approved sales with one team accountable for the result.

Bring your numbers to a 30-minute call. We map what you pay each vendor today and show where you lose approvals and fees.

Schedule a call View Outcomes