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Lumus: AI Fraud & ID Verify

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Stop chargebacks with AI Biometric ID Verify via WhatsApp. Recover lost revenue on autopilot.

paid· from $60/mo· for mid-market

Lumus targets friendly fraud and chargebacks by binding a shopper's biometric identity to each transaction through a WhatsApp verification step triggered only on high-risk orders. A scoring engine reads 100+ device, network, and behavioral signals passively at checkout, then escalates suspicious sessions to a face-match flow. Built for LATAM-focused merchants and D2C operators losing margin to dispute abuse, it also generates technical evidence packages for bank representment.

> pick this if

Pick this if you're a LATAM-focused or WhatsApp-native merchant losing real margin to friendly fraud and first-party chargebacks, and you need biometric evidence — not just rules-based scoring — to win representment.

> look elsewhere if

Look elsewhere if your buyers are primarily in North America or Europe where WhatsApp penetration is low, or if you need deep native integrations with Signifyd/Riskified-class platforms and a documented connector library rather than a lightweight scoring + verification layer.

> Lumus: AI Fraud & ID Verify is built for

  • platform-agnostic

> what it does for ecommerce

  • Scores checkout sessions using 100+ device, VPN, and behavioral signals
  • Escalates risky orders to WhatsApp biometric face verification flow
  • Links physical shopper identity directly to each disputed transaction
  • Generates technical evidence reports formatted for bank chargeback representment
  • Runs passively on trusted sessions to avoid checkout abandonment

> how you'd use it

  • LATAM D2C fashion brand, $5M–$20M GMV, 2-person risk/ops team
    Plugs Lumus into Shopify checkout to score every session; only ~3–5% of orders with elevated risk scores get pushed to WhatsApp face-match before capture, the rest flow through untouched.
    → Cuts friendly-fraud chargeback rate by binding a verified face to the transaction, with representment packets that banks in Brazil and Mexico actually accept.
  • Cross-border electronics retailer on VTEX, $30M GMV, 4 fraud analysts
    Replaces manual review queue for COD and high-ticket orders by routing flagged sessions to WhatsApp biometric verification instead of calling customers.
    → Reduces manual review backlog and recovers margin previously written off as dispute loss, while keeping checkout abandonment flat on trusted traffic.
  • Subscription D2C nutra brand, $2M GMV, founder-led with 1 ops hire
    Uses Lumus passively on recurring billing and first-order checkouts where 'item not received' disputes were eroding LTV.
    → Generates bank-ready evidence reports that shift representment win rates materially on a subscription book where each chargeback also kills the recurring revenue.

> Lumus: AI Fraud & ID Verify use cases

> Lumus: AI Fraud & ID Verify key features

  • Biometric Face ID: Link physical identity to purchases with high precision.
  • AI Fraud Scoring: Analyze 100+ device and VPN signals instantly.
  • Seamless WhatsApp Flow: Secure verification links for high-risk orders.
  • Invisible Protection: Real-time behavior analysis without checkout friction.
  • Chargeback Evidence: Technical reports to win disputes with banks.

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