the frameos stack
Built for the full loop. Money in, money out.
Creator platforms face payout complexity, identity requirements, and chargeback exposure that generic processors weren't designed for. Frame handles all of it in one stack, so you're not building the infrastructure yourself or managing five vendors to replace it.
Shift liability before the chargeback lands.
Frame's built-in 3D Secure authentication transfers chargeback liability to the card issuer at the point of authorization. You keep the revenue. They handle the dispute.
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Chargeback liability shifts to the issuer on authenticated transactions
Step-up authentication on high-risk transactions, frictionless on low-risk
Works across Visa, Mastercard, Amex, and Discover
Spot fraud before it clears.
Sonar combines payment signals, device fingerprinting, behavioral data, and identity verification into a single risk score on every transaction. Built into Frame, no separate vendor, no extra integration.
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AI-powered detection trained on real transaction patterns across Frame's network
Custom rules engine to layer your own business logic on top
Every data point, card, device, identity, and location, scored in real time
Every dispute answered. None of them manually.
When a chargeback lands, Frame pulls evidence from your transaction data, identity verification, and session history, then builds a network-compliant response and submits it before the deadline. Your team never touches it.
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Automated evidence assembly and submission for every dispute
Evidence built from your existing KYC, payment, and session data
Chargeback prevention alerts to resolve disputes before they file
Every payment method. One integration.
Cards, ACH, Apple Pay, Google Pay, and digital wallets all flow into a single merchant balance. No stitching together separate processors, no reconciliation headaches.
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Cards, ACH, Apple Pay, Google Pay, Cash App Pay, and digital wallets
One balance, one dashboard, one integration
Built-in 3D Secure authentication on every transaction
Payments and payouts
Chargeback protection included
Trials and auto-renewals attract disputes. 3DS authentication, monitoring, and dispute management are built into the stack, so you're not assembling a response across three vendor dashboards when one lands.
Identity Verification
Verify liveness
Confirm someone is behind the account by matching face to ID. Catches synthetic identities and account takeovers before they become your problem.
Know your customer
The same verification engine we use for compliance and underwriting, built for creator platforms where payout fraud and fake fan accounts make knowing who's on the other side non-negotiable.
Fight Fraud & Chargebacks
Data from account behavior
Track usage patterns, failed payment attempts, and refund behavior across your platform to flag suspicious activity before it hits your dispute rate.
Sonar by Frame
Creator platforms live and die by their dispute rate. Hit the wrong threshold, and you're not just paying fines. You're in a processor review that ends with your account closed. Sonar monitors every transaction in real time, catches the patterns before they escalate, and keeps you off the monitoring lists that put everything at risk.