Because in today's world a deal is not a deal anymore, it's okay for them to order and pay for your product, use your product, tell you how much they enjoy using it and have up to 120 days to say this was not authorized and have the bank charge you back like it never happened. Yet there you are out of money, and get hit with penalty fees. If that isn't the most backward thing ever I don't know.
Not just that payment processed.
Not just that the product was delivered or downloaded.
Could you show a clean Purchase Authorization Record?
I’m starting to think most digital checkouts create payment and delivery records, but not intent records.
Intent secures the sale.
Payment moves the money.
Delivery releases the product.
Together, they create a complete digital sale record.
She had lung cancer, caught pneumonia and decided to not be resuscitated if the treatment didn't work. So she never died of lung cancer or pneumonia she died of a morphine overdose administered by the hospital. Please don't get me wrong I am not angry or upset about that God, she was in so much pain and life had become so demeaning to her,I had to shower her, dress her, feed her and do all the things she used to do on her own I would give her a million lifetimes to be able to do that for her again. I just felt this is what needed to come right now. I regret the little things times I should have spent with her, missed calls, stupid arguments over stupid things. The ability to sit in a room with her, to be able to lean over and kiss her whenever I wanted, just to be able to wake up next to her was a blessing and now I don't even have that luxury. I miss her.
Most sellers focus on delivery, refund policies, and terms. But by the time a dispute happens, none of that proves what the buyer agreed to at the moment of purchase.
That's the gap. And that's exactly what Onfinga closes.
Onfinga captures buyer intent before payment — so when a dispute lands, you have evidence that was created before the damage was done.
Free trial. No credit card. Start with Onfinga today.
Every time a buyer says "I never authorized this" the seller scrambles. Screenshots. Emails. Order confirmations. None of it captures the one thing that actually matters — what the buyer agreed to before they paid.
The system wasn't built for sellers. It was built for disputes. And disputes always favor whoever has the better evidence.
The question isn't whether you can prove delivery. It's whether you captured intent before payment ever happened.
Is this your experience?
I’ve been speaking with digital sellers about chargebacks — especially when a buyer claims they never authorized the purchase.
A pattern keeps coming up:
Sellers can prove a payment happened, but struggle to prove the buyer actually approved the purchase before payment. Most end up relying on emails, screenshots, or logs.
I’ve built a SaaS — it adds a simple approval step before checkout and creates a Purchase Authorization Record before the buyer is sent to payment.
It doesn’t replace your payment provider and it’s not a “fraud blocker.” It’s an evidence layer.
I’m looking for 10 digital sellers to test it free for 30 days.
Best fit:
The goal of the pilot:
If you’re interested, comment or DM me and I’ll share details.
I’m just curious as to how digital-product sellers are dealing with this.
For example if you sell downloads, courses, memberships, templates, or similar products, what do you actually rely on when a buyer later says they never authorized the purchase?