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Protected Purchase

Fewer chargebacks with Protected Purchase

Extra purchase protection for you and for your customers, now at no cost.

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The cost of chargebacks

The real cost of a chargeback

A chargeback isn't just the value of the product. It's the dispute fee, the product that doesn't come back, and the burned reputation with the acquirer.

R$ 200 order in chargeback
R$ 600 can cost in total

Protected Purchase changes this flow. When something goes wrong, the customer reaches out to Appmax via WhatsApp, not the bank. Resolution happens within 5 business days, without becoming a dispute or affecting your reputation.

How it works

How Protected Purchase works in practice

After an eligible order is approved, Protected Purchase kicks in automatically, at no cost to you or your customer. It's a courtesy from Appmax to protect every sale.

Appmax handles everything: analysis, mediation, decision and communication with the customer. You're only involved when necessary.

Free an Appmax courtesy for you and your customer
Automatic protection active on eligible orders
Zero effort on your side

You're in control

The feature is enabled for all eligible partners.

  • Want to turn it off? One click in the dashboard, under Sales Recovery.
  • Want to turn it back on? Same path, same simplicity.
What it delivers

What Protected Purchase delivers

The protection solves the real logistics problems that cause most dispute chargebacks:

  • Product not received (delay beyond the expected deadline)

  • Loss confirmed by the carrier

  • Theft or permanent loss of the item

  • Return to sender due to logistics failure

  • Blocking failures: cancelled label, expired pickup window, delivery refusal

  • Product provably different from what was advertised

Coverage does not include buyer's remorse, manufacturing defects, wrong address entered by the customer, digital products, subscriptions or fraud by the buyer themselves.

Step by step

Safer purchases with Max

  1. 1

    Order approved by Appmax anti-fraud

  2. 2

    The system validates the transaction's eligibility

  3. 3

    The customer is notified via Max on WhatsApp that the purchase is already protected

  4. 4

    Protection is activated automatically, at no cost to the customer

  5. 5

    If something goes wrong, the customer reaches Appmax on WhatsApp, without having to go to the bank

  6. 6

    Analysis done within 5 business days. You're notified in the dashboard

For your business

Benefits for your business

  • Fewer chargebacks

    The customer reaches Appmax before going to the bank. This directly reduces the disputes that affect your metrics with acquirers and card networks.

  • Free benefit

    A courtesy from Appmax: you offer more protection without paying anything extra and without passing any cost on to your customer.

  • More confidence in the buying journey

    Customers who know they can rely on protection buy with more confidence.

  • Reputation preserved

    Fewer complaints on your social channels and support. The problem is solved fast and without burdening your support team.

  • Zero operation for you

    Appmax manages the entire process: WhatsApp, AI analysis, mediation with the merchant and communication with the customer. You follow everything from your dashboard.

For the consumer

Benefits for the consumer

  • Resolution in days, not months

    Through the banking flow, a dispute takes 30 to 90 days. With Protected Purchase, the answer arrives within 5 business days.

  • Everything on WhatsApp

    No forms, no bank protocols, no waiting in support queues. The customer reaches out, describes the problem and follows everything right where they already are.

  • Protection at no cost

    Without paying anything, the customer secures an order of up to R$ 350 with much more peace of mind.

Activate now and protect your e-commerce, at no cost

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