How Maria B Leveraged XPay Fraud Engine to Prevent Chargeback Scams

Maria B, one of Pakistan’s most prominent fashion retailers, faced a growing threat from chargeback scams, especially friendly fraud. In these cases, customers placed orders, received their goods, and then filed payment disputes with their banks without returning the products.

The result? Revenue losses, damaged processor relationships, and an increased cost of doing business.

To counter this, Maria B turned to XPay, Pakistan’s first fraud detection engine built specifically for local merchants. With the launch of its new Block List feature, XShield enabled Maria B to proactively detect and block fraudsters before they could exploit the system.

The Challenge

As Maria B’s ecommerce orders surged, especially during seasonal sales and new collection launches, the volume of chargebacks increased sharply. 

Customers would claim:

• Unauthorized use of their card
• Non-delivery of goods
• Product dissatisfaction

In reality, these were often cases of friendly fraud. Since banks tend to side with consumers, merchants like Maria B were left vulnerable.

Impact on Maria B

• Lost revenue from shipped orders and fees
• Operational overhead from collecting documentation for disputes
• Increased risk of higher processing rates or blocked merchant accounts due to elevated chargeback ratios

The Solution: XPay XShield with Block List

Maria B partnered with XPay and implemented a fraud detection engine, a powerful fraud prevention layer built into the XPay payment ecosystem. The cornerstone of this solution was Block List, which lets merchants instantly block high-risk users using the following identifiers:

• Email addresses
• IP addresses
• Card fingerprints
• BIN (Bank Identification Number)
• Phone numbers

With real-time activity tracking available through XAP and XStak Admin Panel, the Maria B team could:

• Detect suspicious users and behavior
• Add fraudulent users to their Block List immediately
• View attempted activity from blocked entities in real time
• Reduce chargebacks by preventing known fraud attempts at checkout

Cross Merchant Protection: XPay’s network enables merchants to share anonymized fraud data, allowing Maria B to block known scammers identified by other ecommerce brands. This collaborative approach strengthens fraud prevention across the ecosystem.

Results

After using the XPay Fraud Engine, Maria B achieved significant improvements in fraud prevention and operational efficiency:

• 40% reduction in chargebacks during the first quarter of use.
• Significant cost savings by avoiding chargeback fees, lost merchandise, and manual dispute handling.
• 30% of blocked attempts matched fraud indicators reported by other merchants using XPay, showcasing the power of cross-merchant fraud data.
• Improved processor trust due to lower dispute ratios and more controlled fraud management.

Conclusion

XPay Fraud Engine gave Maria B the tools it needed to protect its revenue and brand reputation from rising fraud threats. Through real-time blocking, multi-parameter fraud filtering, and collaborative data insights across the XPay network, Maria B reduced risk and optimized its payment operations.

As ecommerce fraud grows more sophisticated, XPay’s fraud prevention suite sets a new standard for merchants across Pakistan with Maria B leading the way.