Zoin Solutions has developed an advanced payment security product that prevents payment card fraud and dramatically reduces chargebacks.
Ensures only the true card owner can complete the payment.
Stops unauthorized or disputed transactions before they happen.
Gives both customers and merchants peace of mind.
We’ll apply two small micro-charges to your card (e.g. $0.43 & $0.67) for identity confirmation.
Log in to your bank or card app to view the exact amounts charged.
Input the two values in the Zoin Aegis screen to confirm you’re the card owner.
If correct, your card is linked and payment proceeds securely.
You’ll receive SMS alerts throughout the process.
slashes dispute thresholds to 1.5%, dropping to 0.9% next year. Exceed that, and you’re facing fines, reserve holds, or termination.
introduces tighter documentation rules, faster dispute cycles, and stricter enforcement across global acquirers.
exceed internal “soft limits” and your account could be flagged, even if you’re technically compliant.
and enforcement begins October 1, 2025. There’s no room for error.
Pre-empt chargebacks before they happen, using real-time chargeback prevention process and resolution.
Slash dispute ratios below enforcement thresholds, particularly in volatile verticals.
Protect your merchant account from processor bans, reserve holds, and reputational damage.
The Aegis Security Check is a fraud prevention process designed to verify that a payment card user is the legitimate owner of the card. It uses two randomized microcharges to confirm card ownership before allowing a full transaction to proceed.
You must return to the Aegis platform and enter the microcharge amounts within a specified time window. This ensures timely verification and prevents delays in your transaction.
Aegis allows a limited number of attempts to enter the correct microcharge figures. If unsuccessful, the card is blocked and the transaction is canceled.
Once verification is successful, the two microcharges are added back to your final payment amount to the merchant. If verification fails, the charges are reversed and refunded to your card account.
If you decline the microcharge verification, you will not be able to proceed with the transaction through the Aegis system. This process is mandatory for fraud protection.
The microcharge verification ensures that only the legitimate cardholder can authorize the transaction. It adds an extra layer of security against card misuse and fraud.
A proprietary security enhancement layer for approved PNI (Personally Non-identifiable Information) transactions. Zoin Plus ensures that sensitive payment data is protected with advanced encryption and anonymisation protocols—meeting the growing demand for consumer privacy and aligning with legal mandates such as HIPAA in U.S. healthcare payments.
A secure, compliant disbursement network that connects businesses making high-volume payments to clients, contractors, and suppliers. DisburseX integrates with regulated national and international payment providers, ensuring seamless, auditable, and PCI-compliant fund flows across borders.
