PayProof

PayProof is a mobile + web app that gives merchants a “bank-verified proof of payment” package for each transaction, designed to reduce friendly fraud and chargeback losses. After a customer pays (card, ACH, or bank transfer), PayProof links the transaction to a verified identity signal (bank account ownership via open banking, device fingerprint, and optional selfie/ID check) and generates a tamper-evident receipt bundle: timestamped payment confirmation, customer authorization step, delivery/fulfillment evidence, and a dispute-ready timeline. Merchants can drop this bundle into their chargeback response workflow or share it with their payment processor. The product is realistic because it doesn’t claim to eliminate chargebacks—only to improve win rates and shorten dispute handling time. It focuses on SMBs and high-risk digital goods/services where disputes are frequent and margins are thin. Monetization is per-dispute bundle and/or monthly tiers based on transaction volume.