EU only Trust intelligence across European markets

Fraud is a line
item. We give
it back.

Every digital business budgets for fraud, chargebacks and abuse, then writes the number off at the end of the year. Crotton scores every end user against a network of millions of verified identities, cuts that number, and shares the saving with you and the end customer.

MillionsVerified identities
Pre-authScored before the charge
SharedYou keep part of the saving
OneIntegration for all of it
What fraud actually costs you Illustrative
Annual digital revenue
€4,000,000 at 0.54% disputed
Disputed transaction value−€21,600
Chargeback and scheme fees−€29,918
Review, support and admin labour−€23,935
Promotion and free-tier abuse−€23,935
Higher processing rates and reserves−€11,421
False declines — good customers refused−€86,400
True annual cost of fraud
€5.13 of cost for every €1 disputed, before false declines
€197,208

Modelled on a 0.54% digital-goods dispute rate and a 5.13× total cost multiple. False declines modelled at 4× disputed value — a conservative floor; industry estimates run far higher. Sources and method →

The market

Fraud does not cost
what it says it costs.

Most businesses book the disputed amount and move on. The research says the disputed amount is roughly a fifth of the real damage — and for digital goods, the rate is climbing faster than for anything else.

Majority of disputes can be solved with proof of what was actually delivered.

Friendly fraud is a customer saying I did not authorise this, or I never received it, about a purchase they genuinely made. Card networks cannot tell the difference, so the merchant loses. Tools built to spot stolen cards do not help, because the card was never stolen.

It is an evidence problem, and evidence is what a signed, account-bound digital key produces. Every sale carries a record signed by the merchant, by us and by a verified end user, sealed at purchase and retrievable years later.

“I did not authorise this”

The end user’s verified identity signed the key at checkout. The authorisation is part of the record.

“I never received it”

The key records what was granted, to which account, and when it was opened.

“Not what I paid for”

The merchant signed exactly what the entitlement was, before the money moved.

EU market expansion

Enter an EU market without
entering a market.

Selling into another EU member state normally means an entity, a VAT registration, a local payment provider, a translated checkout and a privacy policy somebody has to write. Crotton already has all of it. You switch a market on.

Local checkout

Priced and paid how they expect

End users see their own currency, their own language and the payment methods they actually use. Cards are not universal in Europe, and a second-language checkout converts worse than a first.

Compliance

Not your paperwork

VAT, invoicing, refunds, EU consumer rights and GDPR obligations sit with the seller of record. That is us, in every member state you turn on.

Authorisation

More approvals, fewer declines

Smart routing sends each transaction down the path most likely to clear, and fails over on a recoverable decline rather than losing the sale. A recognised European seller of record also gets past issuer suspicion that a foreign name would trigger.

Local payment methods Multi-currency pricing Localised checkout Regional adaptive pricing Card updater Smart routing Tax and invoicing Consumer terms
Get started

Find out what your
fraud line is worth.

Send us your category, your volume and your current dispute rate. We come back with a baseline, a projected saving and a quote.

Products

One platform, eight products.

Buy the whole platform or start with the piece that hurts most. Everything runs on one integration, one contract and one rate — there are no feature gates and nothing is held back for a larger plan.

Operate

The parts nobody wants to run.

Three of these are optional.
European Payments, Payment Gateway and Merchant of Record are enabled selectively, by sector and by what a business actually needs. Plenty of merchants take trust intelligence and digital keys alone and keep their existing payment arrangements. We will tell you which modules apply to you.
Ask what applies
Not sure which piece you need?
Tell us your dispute rate and volume, and we will tell you where the money is.
Request a quote
Products/Trust Intelligence

Know how far to trust somebody.

A first-time end user is a stranger, and every business prices that risk in somewhere — tighter rules, more manual review, more good customers declined. Crotton replaces the guess with a number.

Verified once,
recognised everywhere.

Every account carries a trust score built from verified identity, purchase history and conduct across every merchant on the network. Somebody who cleared identity checks elsewhere clears yours instantly — which means fewer abandoned first purchases, not only fewer frauds.

You see a score and a decision. You never see the record behind it, and no other merchant ever sees yours.

Live scoring Pre-authorisation
user_9f2aCDD verified 2024 · 41 clean purchases94
user_3c81CDD verified 2025 · new to you81
user_7d15SDD only · 2 disputes, 3 refunds46
user_b207SDD only · 6 free-tier claims, 4 devices12

You set the threshold. Below it we decline, above it we clear, and the grey band goes to step-up verification instead of a lost sale.

Verification levels

Three tiers, applied
to the risk in front of you.

Not every purchase needs the same scrutiny, and applying the heaviest check to everybody is how good customers get lost. Verification is tiered, and the tier is chosen by value, category and what the network already knows about the account.

SDD · Simplified

Level 1 — Email verification

A one-time code to a verified email address. Establishes that the address is real and controlled by the end user, and binds the key to a reachable account.

Applied to: low-value purchases, credits and top-ups, and accounts the network already recognises as clean.

CDD · Standard

Level 2 — Identity and liveness

Government-issued identity document with a live selfie check, or proof of address where a document check is not appropriate. Confirms the person exists and is the person presenting.

Applied to: higher-value purchases, first purchases at a new merchant, and accounts carrying risk signals.

EDD · Enhanced

Level 3 — Source of wealth

Evidence of the source of funds or wealth behind the purchase, with additional screening. Reserved for the small number of cases where value or pattern warrants it.

Applied to: high-value transactions, unusual velocity, and cases flagged during standard verification.

LevelWhat is checkedWhat the network storesWhat a merchant sees
Level 1 — SDDEmail one-time passcodeThat it passed, and whenLevel and decision
Level 2 — CDDID document, live selfie or proof of addressThat it passed, and whenLevel and decision
Level 3 — EDDSource of wealth or funds, extended screeningThat it passed, and whenLevel and decision

The network never stores the document, the selfie or the underlying evidence — only the attestation that a given level was satisfied, on a given date, with a participating merchant. A end user who cleared Level 2 elsewhere arrives at your checkout already at Level 2.

How the score is built

Four inputs, one number.

01

Verification level

Which tier this account has satisfied — SDD, CDD or EDD — when it was satisfied, and with which participating merchant.

02

Purchase history

Volume, value and consistency of completed purchases across every participating merchant.

03

Dispute conduct

Chargebacks, refund patterns and how often claims are upheld against them rather than for them.

04

Abuse signals

Velocity, device patterns, repeat free-tier claims and promotion farming across accounts.

How the network shares

Pseudonymised.
Give and get.

Attested, not stored

The network holds the fact that verification happened. Never the passport, never the selfie. Nothing worth stealing.

Decided before the charge

Scoring runs pre-authorisation, so a bad transaction never reaches your books and there is nothing to reverse.

Sharper every month

Every merchant that joins deepens the record on every account. The protection in year two beats the one you signed for.

Give and get, pseudonymised

You contribute signal against a pseudonymous account reference and receive a level and a decision back. No merchant learns who another merchant’s customers are, and no identity moves between them.

Reusable verification is where the EU is heading too. The Digital Identity Wallet is built on portable proof rather than repeated document uploads — the network is designed to plug into that, not around it.
Next

See what scoring
would save you.

Products/Fraud Prevention

Four layers, one decision.

Screening runs as a stack. Identity, behaviour, transaction checks and entitlement binding each catch a different kind of loss, and the result comes back as one answer before authorisation.

01

Identity

Matched against the verified-identity network. Known and clean, known and risky, or unknown and worth a step-up check.

02

Behaviour

Velocity, device patterns, refund history and promotion abuse recorded against the account across the whole network.

03

Transaction

Address verification, CVV, 3-D Secure and a rule engine applied dynamically by category and ticket size.

04

Entitlement

What was bought is bound to one account as a digital key, so it cannot be resold, shared or claimed twice.

The hard part

Most of the loss is not
somebody stealing a card.

Roughly three quarters of disputes are friendly fraud: real customers disputing purchases they genuinely made. Detection tools cannot help, because there is nothing to detect. The card was valid, the customer was real, the product was delivered.

Prevention

Score before you sell

Accounts with a history of upheld disputes elsewhere are visible before you accept the charge. The best defence against friendly fraud is not selling to a serial disputer in the first place.

Evidence

Sign what happened

Every sale produces a record signed by the merchant, by Crotton and by a verified end user, sealed at purchase. When the claim is “I never authorised this”, there is an answer rather than an argument.

Deflection

Answer before the bank does

A public key lookup lets a end user see exactly what they bought from their email alone. Most disputes start as confusion, and confusion resolved is a dispute that never files.

Included

Every check, every plan.

Address verification (AVS) CVV validation 3-D Secure authentication Dynamic rule engine Velocity checks Device intelligence Cross-merchant conduct history Step-up verification Promotion abuse detection Chargeback representment Dispute reporting Configurable thresholds

Because Crotton is the seller of record, a dispute that does get through is filed against us, not you. We run the whole process as part of the service and you are never asked for documents.

Next

Put a number on
your fraud line.

Products/Digital Keys

One unit of sale, cut to your product.

Whatever you sell, Crotton issues it as a digital key: a licence to one specific entitlement, bound to one verified account. Tokens, a seat, a dataset, a licence, a coupon, a free tier. The product changes, the key does not.

The product changes.
The key does not.

Instead of building a different sales, delivery and protection flow for every product you launch, you cut a key and configure what sits behind it from your merchant instance.

Because the key is bound to a scored, verified end user, promotions stop being farmable and entitlements stop being shareable. And because the record is signed by the merchant, by Crotton and by the end user, a dispute months later has an answer.

Digital key Signed & sealed
Key
CRTN-8F2A-19D4-E7B3
Unlocks120,000 model tokens
Price€42.00
MerchantyourcompanySigned
Seller of recordcrottonSigned
End useruser_9f2a · verifiedSigned
Sealed recordREC-7F3A-9C41-B82C
You configure
Properties

What a key guarantees.

Instant

Issued and delivered the moment payment clears. No fulfilment queue, no manual step.

Account-bound

Non-transferable. It cannot be forwarded, resold, or posted to a deals forum.

Abuse-resistant deals

Coupons and free tiers are keys too, bound to one verified account. One claim, one person.

Findable forever

End users retrieve what they bought from their email alone. No login, no support queue.

01

End user checks out

Inside your product, in their currency, with the methods they use.

02

Scored and cleared

Trust intelligence returns a decision before the charge is taken.

03

Key is cut and signed

Merchant, seller and end user all sign. The record is sealed and cannot be altered.

04

Access delivered

A secure link reaches the end user instantly and unlocks what you configured.

Key types

Everything is a key.

Consumption keys

Model tokens, API credits, compute quota. Drawn down against the key so usage and entitlement stay reconciled.

Access keys

Seats, modules, plan tiers and feature flags, with upgrades and downgrades written to the same key.

Licence keys

Perpetual and term software licences, with activation limits and renewal dates enforced at the key.

Content keys

A dataset, a report, a course, a single article. The unit of sale can be as small as you want it.

Promotion keys

Discounts and credits attached to one verified account rather than a shareable string.

Delivery keys

A strictly one-time link delivered to the end user by WhatsApp and email. Opened once, it reveals the entitlement and hands the end user to your site to redeem. A forward, a screenshot or a second device is refused.

Zero-value keys

Free trials and free tiers issued with the same three signatures — the only freemium that cannot be farmed.

Next

Cut your first key.

Products/European Payments
Optional Enabled by sector where applicable

Sell across the EU, in what they actually use.

A end user in Warsaw or Stockholm who reaches checkout and sees an unfamiliar currency and a payment method they do not have simply leaves. You never see that sale, so you never count it. Local checkout is the highest-leverage conversion work most digital businesses never do. Crotton currently operates across the EU only.

Currency

Priced how they think

Prices shown in the end user’s own currency — euro, złoty, krona, koruna — with regional adaptive pricing so a market is not priced out by a straight conversion.

Method

Paid how they pay

Cards are a minority of transactions in much of Europe. iDEAL, Bancontact, BLIK, SEPA transfers and local wallets are the difference between a sale and an abandoned cart.

Language

Read how they read

Checkout, receipts and support in the end user’s language. A second-language checkout measurably converts worse.

Trust

Recognised at the bank

Intra-EU charges get declined by issuers that do not recognise the seller. An established European seller of record gets through more often.

Authorisation

A decline is not
always a refusal.

A meaningful share of failed transactions are neither fraud nor insufficient funds. They are routing, issuer preference and unfamiliarity with the seller. Smart routing reads the decline reason and, where it is recoverable, tries a better path before the end user ever sees a failure.

Smart routing

Each transaction is routed to the acquiring path most likely to approve it, based on issuer, card type, currency and market. Recoverable declines fail over automatically before the end user ever sees an error — and decline codes are respected, so a definitive refusal is taken as final.

Card updater

Expired and reissued cards refreshed automatically before renewal, so a subscription does not lapse over a new expiry date.

Retry intelligence

Recoverable failures retried on a schedule tuned to the issuer, the decline reason and the market, rather than a fixed interval that burns attempts at the worst possible moments.

EU market expansion

Enter an EU market without
entering a market.

Normally a new member state means an entity, a VAT registration, a local acquirer, a translated checkout and a privacy policy somebody has to write. As merchant of record across the EU, Crotton already holds all of it.

Opening a new EU marketOn your ownWith Crotton
Local entityOften requiredNot required
Tax registration and filingYoursOurs
Local acquiring relationshipNegotiate per marketAlready in place
Local payment methodsIntegrate individuallySwitch on
Translated checkoutBuild and maintainIncluded
Consumer terms and privacyDraft per jurisdictionOurs as seller
Time to first saleMonthsDays
Next

Turn a market on.

Products/Payment Gateway
Optional Enabled by sector where applicable

Live in days, not quarters.

The slow part of selling online is never the code. It is the applications, the underwriting, the compliance programme and the waiting. Crotton already holds those, so integration is the only work left.

Day one

No acquirer application

No procurement cycle, no vendor selection and no months of integration standing between a finished product and a first sale.

Day one

No gateway contract

Authorisation, capture, refunds and retries are part of the platform, not a separate vendor with a separate fee.

Day one

No card-data project

Card data never touches your systems, so the compliance programme that comes with it never becomes your problem.

Integration

One modal, one call

Drop the checkout modal into your flow and make one API call per sale. Everything else is handled.

For engineers

Boring, in the
way you want.

REST API and webhooks

A conventional REST surface with idempotency keys, signed webhooks and replay, so failures are recoverable rather than mysterious.

Sandbox from day one

A full sandbox with test identities, test keys and simulated disputes, so you can build the unhappy paths before you go live.

Hosted or embedded

Use the hosted checkout or embed the modal inside your own flow. Both keep card data out of your systems.

One call per sale

Create the key, take the payment, return the entitlement. The rest — scoring, signing, delivery — happens inside that call.

Assisted integration

Premium onboarding and a named technical contact if you would rather not read documentation alone.

Status and observability

Transaction, dispute and recovery dashboards, plus exportable reporting into whatever you already use.

Next

Get sandbox access.

Products/Revenue Recovery

The revenue you already earned.

A meaningful share of lost subscription revenue is not customers leaving. It is cards expiring, issuers declining and nobody chasing it. That is involuntary churn, and it is the cheapest revenue in your business to win back.

Why payments fail

Mostly, nobody meant it.

Expired cards

A renewal fails because the card on file expired months ago and nobody asked the customer to update it.

Issuer declines

A soft decline that would succeed on a second attempt, at a different hour, through a different route.

Insufficient funds

Temporary, and usually resolved within days — if anybody retries at the right moment.

Cross-border friction

An issuer blocking a foreign merchant it does not recognise, on a charge the customer wanted to make.

What we do about it

Chase it properly,
automatically.

Smart retries

Retry schedules tuned by issuer, decline code and geography rather than a fixed interval that burns attempts at the worst times.

Card updater

Expired and reissued credentials refreshed before renewal, so the subscription never lapses over an expiry date.

Automated dunning

Escalating email sequences in the customer’s language, with a one-click path back to a working payment method.

Grace periods

Keep access live while recovery runs, so a customer does not churn over a temporary decline.

Self-service repair

The customer portal lets somebody fix their own card in thirty seconds without contacting anybody.

Recovery reporting

See exactly what was recovered, by which mechanism, so the number is auditable rather than a claim.

Next

Find out what you
are leaving behind.

Products/Customer Service

End user support, handled for you.

As merchant of record, Crotton is the seller your customer bought from — so billing questions, refund requests and “what is this charge” come to us. Your team keeps answering questions about your product instead of about invoices.

Channels

Email and chat

End user-facing support across email and live chat, covering billing, refunds, access problems and receipts.

Languages

Multilingual by default

Support in the language the end user checked out in, because a support reply in the wrong language becomes a dispute.

Self-service

Knowledge base

A hosted help centre covering purchases, renewals, refunds and access, so most questions never reach a person.

Deflection

Public key lookup

Any end user can retrieve exactly what they bought from their email address alone. No account, no login, no waiting.

Deflection

“What is this charge?”

A dedicated page that identifies the charge and shows the purchase behind it — the single highest-value page for reducing disputes.

Escalation

Product issues routed to you

Anything that is genuinely about your product is passed through with context, rather than bounced back to the customer.

Most disputes begin as a confused customer, not a dishonest one. Answering the question before they call their bank is cheaper than winning the chargeback afterwards.

Next

Hand over the
billing inbox.

Platform/Merchant of Record
Optional Enabled by sector where applicable

The part that makes the rest possible.

Crotton buys your product and resells it under our name. We are the legal seller on the receipt, which is what allows everything else to work: we can screen the end user because it is our sale, handle the dispute because it is our charge, and handle the tax because it is our obligation.

You keep the business.
We take the paperwork.

The product, the pricing, the branding and the customer relationship stay yours. What moves to us is the part nobody started a company in order to do.

It is the same structure the app stores and the established software resellers use, and it is the fastest legitimate route from a finished product to a first sale.

ResponsibilityYoursOurs
Product and roadmapYes
Pricing and packagingYes
Branding and checkout lookYes
Customer relationshipYes
Taking the paymentYes
Sales tax and invoicingYes
Refunds and disputesYes
Fraud screeningYes
Consumer terms and privacyYes
End user support and billing queriesYes
Compared

Not a payment processor.

A processor moves your money and leaves every obligation with you. A merchant of record becomes the seller and takes them on. The difference shows up on the day something goes wrong.

When this happensWith a processorWith Crotton
A customer disputes a chargeYou gather evidence and fileFiled against us, handled by us
You sell into a new countryYou register and file tax thereOur obligation as seller
A end user wants a refundYour policy, your processOurs, on your terms
Fraud gets throughYou investigate and fileOur charge, we handle it
Regulations changeYour legal teamOurs
A dispute needs proofYour database against their wordA record all three parties signed
For acquirers and partners

How we work with
our acquiring partners.

Crotton operates as a reseller and merchant of record, not as a payment facilitator. We buy digital products and sell them in our own name, on our own terms, carrying the consumer obligation for every sale. Our acquiring partners see a single counterparty and full visibility of what sits behind it.

Position

Reseller, not aggregator

Every transaction is a sale of a Crotton digital key to a end user under Crotton terms. We set the price to the end user, we own the contract, we handle the refund and we carry the dispute. Suppliers are paid on commercial terms out of our proceeds.

Transparency

Per-supplier dispute reporting

Dispute, refund and fraud ratios are tracked and reported at supplier level, not pooled into a single portfolio figure. Our acquirer can see which supplier generates which ratio, monthly, without asking.

Onboarding

Every supplier is underwritten

Company registry check, beneficial ownership, product and website review, and category approval before a merchant instance exists. Approval is granted per category and does not extend to anything else.

Monitoring

Configurations are watched

Every change to what a key unlocks is logged and reviewed, and anything outside the approved category is blocked at write time rather than discovered later.

Thresholds

Ratios act before schemes do

Internal dispute thresholds sit below scheme monitoring levels. Breaching one moves a supplier to reserve, then suspension, then termination — well before a portfolio ratio is at risk.

Scope

A published category boundary

What may and may not sit behind a key is written down, enforced in the platform and available to our partners in full. Category drift ends the agreement immediately.

Routing is issuer-aware by design. Recoverable declines are retried on an alternative path; definitive refusals are respected first time and never re-attempted.

Acquiring or partnership enquiry?
We will send the control framework, category scope and reporting samples.
Get in touch
Questions

Merchant of record, answered.

Crotton, alongside your product name. End users stay inside your product throughout, and Crotton is shown as the seller at the point of purchase and on the receipt, which is what makes the charge recognisable months later.
No. The account, the product, the pricing and the branding stay yours. We handle the sale, not the relationship. Product questions still come to you; billing questions come to us.
As the seller, Crotton carries the consumer obligation for the transaction. That is precisely why merchants are underwritten before onboarding rather than signing up self-serve.
Yes. The checkout modal is embedded in your flow and carries your branding. Crotton appears as the seller where it legally must, not as a takeover of your interface.
No. Crotton operates as a reseller and merchant of record. We buy digital products and resell them in our own name, on our own terms, carrying the consumer obligation and the dispute liability for every sale. We are not aggregating payments on behalf of sub-merchants who remain the seller.
Yes. Dispute, refund and fraud ratios are tracked and reported at supplier level rather than pooled into one portfolio number, and the control framework, category scope and reporting samples are available to acquiring partners on request.
A PSP processes a payment on your behalf and leaves you as the seller, with the tax, the disputes and the compliance. A merchant of record becomes the seller, so those obligations move across with the sale.
Next

Let us be the seller.

Solutions

Built for what you actually sell.

The same platform, configured differently. Find the shape closest to your business and start there.

By use case

Eight starting points.

AI

AI & model providers

Token top-ups, credits and metered usage issued as keys, so consumption and entitlement never disagree and disputes become lookups.

B2B

B2B SaaS

Seats, modules and enterprise plans with procurement-friendly invoicing and a signed record of every renewal and cancellation.

B2C

B2C SaaS

High-volume consumer subscriptions where dispute rate and involuntary churn decide the margin. Both sit on our side.

Software

Software & tools

Perpetual and term licences, upgrades and add-ons, sold across the EU without an entity in every member state.

Games

Games & in-app

Sell outside the app stores at a fraction of their cut, with keys that cannot be resold on grey marketplaces.

Data

Data & research

Sell one report or one dataset instead of licensing an entire platform to somebody who wanted a single page.

Marketplace

Marketplaces

Many sellers, one signed record per sale, and a shared trust score that travels across every seller on the platform.

Creators

Creators & education

Courses, memberships and downloads bound to one account, so a paid course does not end up in a shared folder.

By business model

However you charge.

Subscription

Monthly, annual and multi-year with proration, pauses and scheduled changes.

Usage-based

Metered consumption drawn down against a key and reconciled continuously.

Freemium

Free tiers issued as verified-account keys that cannot be farmed.

Free trials

Time-boxed access with automatic conversion and a signed record of the start date.

One-time

Single purchase, instant delivery, permanent proof.

Tiered

Multiple plans with clean upgrade paths written to the same key.

Modular

Add-ons and feature packs sold independently and stacked on one account.

Hybrid

Base subscription plus metered overage, coupons and promotions layered on top.

By business size

Same platform, different problem.

Startups

You do not have a payments team

No entity abroad, no tax function, no fraud tooling and nobody to run it. As merchant of record we already have all of it, so a finished product is enough to start selling.

Scale-ups

Fraud is outgrowing you

Volume is up and so is the dispute rate. Trust scoring cuts the loss and the shared-savings model means the protection funds itself.

Enterprise

Too many vendors

A processor, a tax engine, a fraud vendor, a licensing tool and a support desk. One platform, one contract, one record of what happened.

Next

Tell us which one
sounds like you.

Pricing

You keep 75%. We do everything else.

Not a payment rate — the whole apparatus for selling digital products, and the team that would otherwise run it. One number, every feature included, nothing else to buy. And when trust intelligence cuts your fraud losses, part of the reduction comes back to you on top.

The rate

25% of the sale. Nothing underneath it.

Crotton is not a payment processor charging a fee on top of your setup. Crotton is the setup — the seller, the storefront, the acquiring, the fraud network, the tax position and the end user support. One rate covers all of it, and there is no second invoice.

75%You keepRemitted on your settlement cycle, net of refunds and disputes already resolved on our side.
25%Crotton, all-inAcquiring, gateway, key issuance, fraud screening, VAT, disputes, end user support and EU market access.
In context

Compared to the other
way of selling.

The honest comparison is not a payment processor. It is the channels that already do what Crotton does — take the sale, become the seller, carry the risk and the tax, and hand you the rest.

ChannelTheir cutYou keepCarries fraud & disputesOwns the customer
Apple App Store30%70%AppleApple
Google Play30%70%GoogleGoogle
Steam30%70%ValveValve
Crotton25%75%CrottonYou do

Standard published rates. Apple and Google apply reduced tiers to smaller developers, and Steam steps down at high volume.

Less

Below the standard store rate

Five points under what the three largest digital storefronts charge for the same job.

Yours

You keep the customer

The account, the pricing, the branding and the relationship stay with you. No store owns your end user and no store can delist you from your own product.

Plus

The saving comes back

No app store gives you a share of the fraud it prevents. The shared saving sits on top of the 75%.

Build or buy

25% instead of
a department.

This is not a payment rate. Selling digital products properly means a payment stack, a fraud stack, a tax function, a dispute desk and a support team — every one of them a tool to licence and a person to run it. The 25% replaces the tools and the headcount.

What the job needsTooling, if you buy itPeople, if you run itWith Crotton
Payment orchestrationPlatform licence plus per-transaction feesPayments engineerIncluded
Acquiring and gatewayPer-transaction and monthly minimumsFinance owner per marketIncluded
Fraud screeningPer-check pricing with annual minimumsRisk analystIncluded
Manual review queueCase management toolingReview staff, dailyIncluded
Chargeback representmentPer-dispute fee or a share of recoveriesDisputes coordinatorIncluded
VAT registration and filingTax engine plus filing fees per marketAccountant per jurisdictionIncluded
Licensing and entitlement deliveryBuild it, or licence a platformBackend engineerIncluded
End user billing supportHelpdesk and knowledge baseMultilingual support staffIncluded
EU market entryEntity and registration per marketLegal and finance timeIncluded
Dispute handling end to endPer-dispute fees and your own staff timeDisputes coordinatorIncluded
Cost

Nine line items become one

Nine contracts, nine renewals, nine integrations and nine vendors to chase when something breaks — replaced by a single rate on a single invoice.

Headcount

Roles you do not hire

A payments engineer, a risk analyst, a disputes coordinator and multilingual billing support. In most EU markets that is a six-figure salary line before any tooling.

Outcome

Priced on results, not licences

Tools bill you whether or not they work. Here the fraud network is inside the rate, and when it brings your losses down part of the reduction comes back to you.

What the 25% buys

Priced as a bundle
because it is one.

Assembled separately, this is five vendors, five contracts and five invoices — before anybody has carried a single loss for you.

What you would otherwise buyBought separatelyInside the 25%
Acquiring and card processingApplication, underwriting, per-transaction feeIncluded
Payment gatewaySeparate contract and monthly feeIncluded
Fraud screeningPer-check pricing, annual minimumIncluded
Chargeback handlingPer-dispute fee, or your own staff timeIncluded
Dispute investigationYour team, per caseIncluded
VAT registration and filingTax engine plus an accountant per marketIncluded
Licensing and key deliveryBuild it or licence a platformIncluded
End user billing supportYour team, in every language you sell inIncluded
EU market entryEntity, registration, local acquirer per marketIncluded
Trust network accessDoes not exist to buyIncluded
Work out what you are paying for this today.
Most businesses find it is more than 25% once the losses are counted.
Request a quote
How a quote is built

Four questions, one number.

01

What you sell

Category, ticket size and delivery model. A €9 subscription and a €4,000 licence carry different risk.

02

Which EU markets

Which EU member states, which currencies, which local payment methods. Some markets cost more to serve and some convert far better locally.

03

Your current losses

Dispute rate, refund rate and abuse. This becomes the baseline that the shared saving is measured against.

04

Your volume

Monthly gross and expected growth. Rates improve as volume does, without a feature being taken away.

How the network shares

What we will not do.

No feature gates

A startup gets the same platform as an enterprise. There is no tier where fraud protection or recovery is withheld to sell an upgrade.

No cost to start

No onboarding fee, no integration fee, no minimum commitment. You pay when you sell something.

No surprise lines

Everything is inside the share. If a cost exists — scheme fees, dispute fees, tax filing — it comes out of our side, not as an addendum to your invoice.

It is on the pricing page: 25% of the sale, and you keep 75%. What is quoted per business is the shared-savings split on top, because that depends on the loss baseline we measure at onboarding.
We baseline your current fraud, dispute and abuse losses during onboarding, using your own historical data. Once you are live, the reduction against that baseline is measured and reported, and the agreed split applies to the difference.
Yes. Rates step down with volume and with a demonstrated dispute record. Nothing is removed from the platform as rates change.
No minimum commitment to start. Enterprise agreements with committed volume are available where they produce a better rate for you.
Next

Get a number for
your business.

What’s included

Everything. In every plan.

One fair price, all features included. Items marked Crotton are ours — the things a conventional platform does not give you at any price.

Trust Intelligence Crotton

  • Verified-identity network, pseudonymised
  • Per-end user trust score, pre-authorisation
  • Cross-merchant conduct history
  • Reusable verification — SDD, CDD and EDD tiers
  • Configurable decline threshold
  • Step-up verification instead of lost sales
  • Shared-savings measurement and reporting

Digital Keys Crotton

  • One unit of sale for every product type
  • Account-bound, non-transferable entitlements
  • Instant issuance and delivery
  • Three-party signed sale record
  • Sealed record, verifiable years later
  • Abuse resistant coupons and free tiers
  • Public end user key lookup

European Payments

  • Local EU payment methods by market
  • Multi-currency pricing across the EU
  • Regional adaptive pricing
  • Smart routing and failover
  • Card updater
  • Localised checkout

Billing

  • Manual and automatic renewals
  • Flexible and hybrid pricing models
  • Usage-based and metered billing
  • Proration, pauses and plan changes
  • Customer self-service portal

Revenue Recovery

  • Issuer-aware retry logic
  • Automated dunning sequences
  • Involuntary churn reduction
  • Pre-renewal card refresh
  • Grace periods
  • Recovery reporting

Fraud Protection

  • Address verification (AVS)
  • CVV validation
  • 3-D Secure authentication
  • Dynamic fraud rule engine
  • Velocity and device checks
  • Chargeback handling and representment

Merchant of Record

  • Crotton as legal seller
  • VAT handling across EU member states
  • Invoice processing
  • Refund management
  • Consumer terms and privacy
  • EU market expansion without local entities

Checkout

  • Conversion-optimised by default
  • Customisable fields and branding
  • Dynamic checkout pages
  • Multi-language support
  • Hosted or embedded modal
  • Mobile and in-app flows

Analytics

  • Revenue and unit sales reporting
  • Customer demographics
  • Churn, MRR and LTV
  • Dispute and recovery dashboards
  • Customisable reports and exports

Sales & Marketing

  • Affiliate and partner management
  • Lead management
  • Coupons and volume discounts
  • Bundles and packages
  • Free trials and licence management
  • Email customisation

Customer Service

  • Multilingual end user support
  • Email and chat channels
  • Self-service knowledge base
  • End user key lookup
  • “What is this charge” page
  • Refund and dispute handling

Professional Services

  • Premium onboarding
  • Assisted and custom integration
  • API and webhook access
  • Sandbox environment
  • Named technical contact
Next

All of it, one price.

Sources & glossary

Where every number comes from.

Every statistic quoted anywhere on this site, with its source and the assumptions behind it. Plus plain-English definitions of the terms this industry uses without explaining.

Citations

The statistics.

FigureWhat it meansSource
$5.13 per $1 Total cost to a US ecommerce merchant for every dollar lost to fraud, once fees, penalties, replacement, labour and recovery are counted. Canada is $5.23. Up from $3.16 in 2022 and $4.61 in 2025. LexisNexis Risk Solutions, True Cost of Fraud Study — Ecommerce & Retail
~75% of disputes Share of ecommerce chargeback cases driven by friendly fraud, where the cardholder genuinely made the purchase. Friendly fraud accounts for an estimated 40–80% of total fraud losses. Mastercard, State of Chargebacks
13× false declines Legitimate orders wrongly refused as fraud are estimated to cost merchants around thirteen times the value of the fraud actually prevented. Global false-decline losses are estimated far above global ecommerce fraud losses. Javelin Strategy & Research
0.54% dispute rate Average chargeback rate for digital goods and subscriptions, after a 59% year-on-year rise. B2C SaaS rose 83% in the same period; B2B SaaS remains among the lowest at about 0.15%. Sift Digital Trust Index — Disputes & Chargebacks
$33.8bn → $41.7bn Global chargeback losses forecast between 2025 and 2028, across a projected rise from 261 million to 324 million disputed transactions a year. Chargeback market forecasts, 2025
$5–$10 per dispute Penalties applied to acquirers under Visa’s Acquirer Monitoring Programme once portfolio dispute ratios exceed 0.50% and 0.70%. These costs pass down to merchants. Visa Acquirer Monitoring Programme (VAMP), 2025 changes
$9.08–$10.32 Cost to an issuing bank of processing a single disputed transaction, before any merchant-side cost. Mastercard dispute data, 2025
Method

How the calculator works.

The model on the home page is deliberately conservative and every input is listed here so it can be checked or argued with.

Input

0.54% dispute rate

Applied to annual digital revenue to give the disputed transaction value. This is the digital-goods benchmark, not a Crotton figure.

Multiple

5.13× total cost

Applied to the disputed value. The multiple includes the disputed amount, so the first five lines are shares of it and sum exactly to it — they are not stacked on top.

Separate

False declines at 4×

Added separately, because the 5.13× multiple explicitly excludes the customer-experience cost of stricter screening. Modelled at 4× against an industry estimate of 13×.

LineShare of total costWhat it covers
Disputed transaction value19.5%The face value of the transactions being disputed
Chargeback and scheme fees27.0%Per-dispute fees, scheme monitoring penalties, representment costs
Review, support and admin labour21.6%Manual review, evidence gathering, customer service time
Promotion and free-tier abuse21.6%Coupon farming, multi-accounting, trial abuse, refund abuse
Higher processing rates and reserves10.3%Rate increases and held reserves triggered by elevated dispute ratios
False declinesAdditionalRevenue from good customers who were refused, and the lifetime value that leaves with them

The output is an illustration for sizing a conversation, not a quote. A real baseline is measured from your own dispute, refund and abuse data at onboarding.

Glossary

Plain English.

Merchant of record

The legal seller of a product. The merchant of record contracts with the end user, appears on the receipt and the statement, and carries the tax, refund and dispute obligations that come with the sale.

Chargeback

A forced reversal of a card payment, initiated by the cardholder through their bank rather than by asking the merchant for a refund. The merchant loses the money, the product and usually a fee.

Friendly fraud

Also called first-party fraud. A genuine customer disputes a purchase they actually made — sometimes dishonestly, often because they did not recognise the charge. The card was never stolen, so fraud detection cannot catch it.

False decline

A legitimate order refused because a fraud system thought it looked risky. The merchant loses the sale, the customer, and usually the customer’s future business too — and it never appears as a loss on any report.

Dispute ratio

Disputed transactions as a percentage of total transactions. Card schemes monitor it, and crossing a threshold triggers penalties, higher rates, held reserves and eventually loss of processing.

Representment

The process of contesting a chargeback by submitting evidence that the transaction was legitimate and the product delivered. Won or lost on the quality of the evidence.

Involuntary churn

A subscription that lapses because a payment failed, not because the customer chose to leave. Expired cards and soft declines account for most of it, and most of it is recoverable.

Smart routing

Retrying a declined transaction through a different acquiring route before reporting failure to the end user. Recovers sales that were technical problems rather than real refusals.

Attestation

A record that something was verified, without holding the underlying evidence. “This person passed identity checks on this date” rather than a copy of their passport.

SDD, CDD and EDD

The three standard levels of customer due diligence. Simplified is a light check for low-risk cases, standard is identity plus liveness, enhanced adds source of wealth. Applying the right level to the right transaction is the difference between stopping fraud and losing customers.

Pseudonymisation

Replacing identifying details with a reference that means nothing on its own. The network can recognise the same account across merchants without any merchant learning who the person is.

Reusable verification

Using an identity check completed once, at one business, to clear the same person elsewhere — instead of asking them to upload documents again at every new service.

Digital key

A licence to one specific entitlement, issued once and bound to one verified account. Non-transferable, instantly delivered, and recorded so both sides can confirm later what was granted.

Trust score

A single number summarising how reliable an account has proven to be across every merchant on the network — verification status, purchase history, dispute conduct and abuse signals.

Next

Work out your
own baseline.

Support centre/FAQ

Everything we get asked.

Grouped by who is asking. If the answer you need is not here, the team replies within two working days.

Getting started

Starting out.

One checkout modal and one API call per sale. Sandbox access is available from the first day, and assisted integration is included if you would rather not read documentation alone. Most teams are testing within a day.
No. Crotton is the merchant of record, so acquiring, the gateway and card compliance sit with us. That is the whole point — there is no application queue and no trading history required before you can take a first payment.
Yes. Yes. You do not need your own acquiring relationship, tax registrations or fraud tooling, because those sit with us as merchant of record. A finished product is enough to start.
Crotton currently operates across the European Union only. Local payment methods, EU currencies and localised checkout are available in every member state we support.
No onboarding fee, no integration fee and no minimum commitment. You pay a share of what you sell.
Merchant of record

Who is the seller.

Crotton, alongside your product name. End users stay inside your product throughout, and Crotton is shown as the seller at the point of purchase and on the receipt — which is what makes the charge recognisable months later.
No. The account, the product, the pricing and the branding stay yours. We handle the sale, not the relationship. Product questions still come to you; billing questions come to us.
We do, start to finish. Because Crotton is the seller on the statement, the dispute is filed against us and we run the entire process as part of the service. You are never asked to gather documents.
A payment service provider processes a payment on your behalf and leaves you as the seller, with the tax, the disputes and the compliance. A merchant of record becomes the seller, so those obligations move across with the sale.
Yes. The checkout modal is embedded in your flow and carries your branding. Crotton appears as the seller where it legally must, not as a takeover of your interface.
Fraud & trust intelligence

Scoring and screening.

We baseline your current fraud, dispute and abuse losses during onboarding, using your own historical data rather than an industry average. Once you are live, the reduction against that baseline is measured and reported, and the agreed split applies to the difference.
No, and neither do you in detail. You receive a score and a decision. The record behind it stays inside the network, and no merchant ever sees another merchant’s customers.
Attestations, not documents. A record that a person completed identity verification, when, and with which participating merchant — never passport scans or selfies. There is nothing in it worth stealing.
You set the threshold. Below it we decline, above it we clear, and the grey band goes to step-up verification rather than becoming a lost sale.
Yes. Declines are reviewable on request, and step-up verification gives most legitimate end users a route through on the same visit.
Digital keys

What you sell.

A licence to one specific entitlement, issued once and bound to one verified account. Tokens, a seat, a dataset, a licence, a coupon or a free tier — the product changes, the key does not.
No. The key binds to the account they already have with you.
Yes, and they are harder to abuse here than anywhere else. A coupon is issued as a key bound to one verified account, so it cannot be shared, farmed or claimed twice.
The key answers it. It records exactly what was granted, to which account and when, signed by the merchant, by Crotton and by the verified end user, and sealed so it cannot be altered afterwards.
No. Keys are account-bound and non-transferable by construction, which is what keeps them off grey marketplaces.
Pricing

What it costs.

It is on the pricing page: 25% of the sale, and you keep 75%. What is quoted per business is the shared-savings split on top, because that depends on the loss baseline we measure at onboarding.
Yes. Rates step down with volume and with a demonstrated dispute record, and nothing is removed from the platform as they change.
No. There are no feature gates. A startup gets the same platform as an enterprise, priced for its volume.
No minimum commitment to start. Committed-volume agreements are available where they produce a better rate for you.
For end users

You bought something.

Crotton is the seller of record for digital products, which means we handle the sale on behalf of the company whose product you bought. The charge will show Crotton alongside that product name. You can retrieve exactly what you bought using your email address alone.
Use the key lookup with the email address you bought with. No account and no login are needed, and the record stays retrievable for as long as the entitlement is valid.
Contact us rather than your bank. Because Crotton is the seller, we can resolve it directly and usually far faster than a dispute would.
Get in touch before contacting your bank. Almost every unrecognised charge turns out to be a purchase the cardholder made and simply did not recognise under the seller name, and we can show you exactly what it was.
Still not answered?
The team replies within two working days.
Contact us
Legal/Overview

Legal and policies.

Every policy governing the use of Crotton, for merchants and for end users. All documents are working drafts pending review by counsel.

Legal/Privacy Policy

Privacy Policy.

What personal data Crotton holds, why we hold it, how long for, and what you can ask us to do about it. Written for the GDPR.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Who we are

Crotton is the merchant of record for digital products sold by businesses using our platform. Where you buy a product through a Crotton checkout, Crotton is the seller and the controller of your personal data for that sale.

Legal entity name, registered office and company number to be inserted. Data protection contact: privacy@ address.

02

What we collect

  • Purchase data — what was bought, when, at what price, in which currency, and the account it was issued to.
  • Contact data — name and email address supplied at checkout, used to deliver the purchase and provide support.
  • Technical data — IP address, device and browser characteristics, collected for fraud prevention and security.
  • Verification attestations — a record that identity verification was completed, when, and with which participating merchant. We do not hold identity documents, scans or images.
  • Conduct signals — disputes, refunds, transaction velocity and promotion-claim patterns associated with an account.

We do not receive or store full card numbers. Card data is handled by our payment providers and never reaches our systems.

03

Why we process it, and on what basis

  • To perform the contract — taking payment, issuing the key, delivering access and providing support.
  • Legitimate interests — preventing fraud, abuse and money laundering, and maintaining the integrity of the trust network. The GDPR expressly recognises fraud prevention as a legitimate interest. A balancing assessment is available on request.
  • Legal obligation — tax, accounting, invoicing and record-keeping duties in the jurisdictions where we sell.
  • Consent — optional analytics and marketing cookies, and marketing email. Withdrawable at any time.
04

The trust network

Crotton operates a shared trust network across participating merchants. Its purpose is fraud prevention.

The network holds attestations and conduct signals, not identity documents. Participating merchants receive a score and a decision. They do not receive your purchase history, your identity details, or any information about your activity with other merchants.

Where an automated decision would significantly affect you, you have the right to request human review, to express your point of view, and to contest the outcome. Confirm the exact appeal route with counsel.

05

Who we share with

  • The merchant whose product you bought, so they can provision your access and support you.
  • Payment providers, acquirers and card schemes, to take and settle the payment.
  • Identity and fraud-prevention providers.
  • Tax authorities and auditors, where required by law.
  • Professional advisers and, in the event of a corporate transaction, a successor entity.

We do not sell personal data, and we do not share it for third-party advertising.

06

International transfers

Crotton operates within the European Union. Where a processor is located outside the EEA, transfers are made under Standard Contractual Clauses or an adequacy decision. List sub-processors and their locations.

07

How long we keep it

  • Purchase and invoice records: retained for the statutory tax and accounting period. State the period.
  • Verification attestations and conduct signals: retained while the account remains active on the network and for a defined period afterwards. State the period.
  • Support correspondence: retained for a limited period after resolution.
08

Your rights

You have the right to access your data, to correct it, to erase it, to restrict or object to processing, to data portability, and to withdraw consent where consent is the basis. You may also complain to your national supervisory authority.

Erasure does not extend to records we are legally required to keep, such as invoices, or to fraud-prevention records where an overriding legitimate interest applies. Where that is the case we will tell you which exemption we rely on.

Requests go to privacy@ address. We respond within one month.

09

Changes

Material changes will be notified by email to account holders and posted here at least 30 days before taking effect. Effective date to be set on publication.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Merchant Terms

Merchant Terms of Service.

The agreement between Crotton and a business selling digital products through the platform.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

The relationship

Crotton purchases your digital products and resells them to end end users in its own name. For every transaction, Crotton is the merchant of record and the legal seller. The contract of sale is between Crotton and the end user.

You retain ownership of your product, your pricing, your branding and your relationship with your customers. You grant Crotton the licence necessary to resell the entitlements you configure.

02

Onboarding and approval

Access is granted after review. We assess the legal entity, its beneficial ownership, the product being sold and the website through which it is sold. Approval may be refused or withdrawn.

You must keep the information you gave us accurate and tell us promptly if your product, ownership or business model changes materially.

03

What you may sell

Only categories approved at onboarding, and only within the boundaries of the Acceptable Use Policy. Configuring a key to unlock anything outside the approved scope is a material breach.

04

Fees and settlement

Crotton retains an agreed share of gross proceeds. The share covers acquiring, gateway, key issuance, fraud screening, tax handling, dispute management and end user support.

Remaining proceeds are remitted on the agreed cycle, net of refunds, chargebacks and any reserve. Crotton retains 25% of gross. Settlement cycle and reserve terms to be inserted.

05

Shared savings

Where a shared-savings arrangement applies, the baseline is established from your historical loss data at onboarding, the reduction is measured against that baseline, and the split is applied to the difference. Measurement methodology and reporting frequency are set out in your order form. Confirm method with counsel.

06

Refunds, disputes and chargebacks

Crotton manages refunds and disputes with end users as seller of record. You will provide, promptly, any product information reasonably needed to resolve a claim.

Allocation of chargeback liability between Crotton and the merchant to be confirmed and stated explicitly here.

07

Your obligations

  • Deliver the entitlement each key represents, in full and without delay.
  • Describe your product accurately and keep pricing current.
  • Comply with applicable law, including consumer protection and data protection.
  • Maintain dispute rates below the thresholds notified to you.
  • Not attempt to circumvent scoring, screening or category controls.
08

Suspension and termination

We may suspend or terminate immediately for material breach, category drift, misrepresentation, dispute rates that place the platform at risk, or where required by an acquirer, card scheme or regulator. Either party may terminate for convenience on notice. Notice period to be set.

On termination, keys already issued remain valid for their term, and final settlement occurs after the reserve period.

09

Liability, law and jurisdiction

Liability caps, indemnities, governing law and jurisdiction to be settled by counsel.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Terms of Sale

Terms of Sale.

The agreement between Crotton and you, when you buy a digital product through a Crotton checkout.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Who you are buying from

Crotton is the seller. When you buy through a Crotton checkout, your contract is with Crotton, not with the business whose product you are accessing. Crotton will appear on your card statement alongside the product name.

02

What you are buying

A digital key: a licence to a specific entitlement, for a specific duration, issued to your account with the provider. The checkout states exactly what the key unlocks before you pay.

Keys are bound to one account and are not transferable or resellable.

03

Delivery

Keys are issued immediately on successful payment and delivered by secure link to the email address you provide. Access is granted when the link is opened. State the delivery window and supported channels.

04

Price and tax

Prices are shown inclusive of applicable tax in your market and in your local currency where supported. The amount shown at checkout is the amount charged.

05

Your right to withdraw

As a consumer in the EU you normally have 14 days to withdraw from a distance purchase. For digital content delivered immediately, that right is lost once delivery begins — but only if you gave express consent and acknowledged the loss of the right at checkout. We ask for both, separately and clearly, before any immediate delivery.

Where delivery has not begun, the withdrawal right is unaffected. Final wording of the checkout waiver to be approved by counsel.

06

If something goes wrong

If a key does not work, does not unlock what was described, or was charged in error, contact us. As the seller we can resolve it directly and normally faster than a bank dispute. Statutory rights in respect of digital content that is not as described are unaffected by these terms.

07

Acceptable use

You may not resell, share or attempt to transfer a key, nor create multiple accounts to claim a promotion or free tier more than once.

08

Contact and complaints

Support email, postal address and the EU Online Dispute Resolution link to be inserted.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Refunds

Refund and Cancellation Policy.

When you can get your money back, how to ask, and how long it takes.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Before delivery

If a key has not been delivered, you may cancel and receive a full refund.

02

After delivery

For digital content delivered immediately, the statutory withdrawal right ends once delivery begins, where you consented to immediate delivery and acknowledged that at checkout.

We refund anyway in these cases: the key did not work, the entitlement did not match what was described, the charge was duplicated, or the purchase was not authorised by the cardholder.

03

Subscriptions and renewals

Cancel at any time and access continues to the end of the paid period. Where a renewal was charged without adequate notice, we refund it. Confirm the renewal notice period.

04

How to ask

Contact us with the email address you bought with, or look the purchase up first if you are not sure what the charge was. Contacting us is faster than a bank dispute and does not affect your right to raise one later.

05

Timing

Refunds are issued to the original payment method. State the processing time and how long the end user’s bank typically takes.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Acceptable Use

Acceptable Use Policy.

What may and may not be sold through Crotton, and what happens when the line is crossed.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Scope

This policy applies to every merchant on the platform and to everything configured behind a digital key. Approval is granted per category and does not extend automatically to anything else.

02

Permitted

  • Model usage, API credits and token top-ups
  • Software seats, modules and feature entitlements
  • Perpetual and term software licences
  • Datasets, reports and research access
  • Developer tooling and infrastructure quota
  • Discount coupons and promotional credits
  • Free trials, free tiers and metered free usage
03

Prohibited

  • Physical goods, or anything requiring shipment
  • Gambling, wagering and prize competitions
  • Adult content and dating services
  • Crypto assets, exchange and on-ramp services
  • Regulated financial, medical and pharmaceutical products
  • Weapons, controlled substances and counterfeit goods
  • Anything unlawful in the market where it is sold, or that infringes third-party rights
04

Category integrity

What a key unlocks must match the category the merchant was approved for. Configuration changes are logged and reviewed, and anything outside approved scope is blocked. Deliberate misconfiguration to reach a prohibited category ends the agreement immediately.

05

Monitoring and enforcement

We monitor configurations, dispute rates and end user complaints. Responses escalate from a warning, to a reserve, to suspension, to termination. Where an acquirer, card scheme or regulator requires action, it is taken without notice.

06

Reporting

To report a merchant or a key you believe breaches this policy, contact us. Abuse reporting address to be inserted.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Data Processing

Data Processing Terms.

Roles, responsibilities and lawful bases for personal data moving between Crotton and merchants.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Roles

For the sale itself, Crotton is the controller: we are the seller, we take the payment and we hold the transaction record. For product provisioning and support, the merchant is a controller in respect of the account it maintains.

In respect of the trust network, Crotton is the controller. Merchants receive an output, not the underlying data. Confirm the controller analysis with counsel — joint controllership may apply in places.

02

What is exchanged

Merchant to Crotton: the account identifier the key binds to, and the entitlement definition. Crotton to merchant: the key, the entitlement, and a screening decision. The merchant does not receive the end user’s network history or their activity with other merchants.

03

Lawful basis for the network

Fraud prevention, on the basis of legitimate interests, expressly recognised as such in the GDPR. A legitimate interests assessment is maintained and available on request.

Merchants contributing attestations or conduct signals must ensure their own privacy notice discloses that sharing for fraud prevention. Verify the consent and disclosure chain for any attestation set acquired from a third party.

04

Security

The network holds attestations rather than identity documents, which materially reduces the consequences of any breach. State encryption, access control, retention and breach-notification commitments.

05

Sub-processors

Maintain and publish a sub-processor list with locations and transfer mechanisms, and give notice before adding one.

06

Data subject requests

Each party assists the other in responding to access, erasure, objection and portability requests within the statutory deadline.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Cookies

Cookie Policy.

What we set, what each one is for, and how to change your mind.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Strictly necessary

Required for the site and checkout to function — session integrity, security, fraud prevention and load balancing. These cannot be switched off and do not require consent.

02

Functional

Remember your language and currency choice so you do not have to set them again. Set only with your consent.

03

Analytics

Aggregate measurement of how the site is used, so we can improve it. Set only with your consent, and never used to build an advertising profile.

04

No advertising cookies

We do not set third-party advertising or cross-site tracking cookies.

05

Managing your choice

Change your preferences at any time through the cookie settings link in the footer, or clear cookies in your browser. Insert the full cookie table with names, providers, purposes and durations once the consent tool is configured.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Legal/Legal notice

Legal notice.

Company identity and contact details, as required for commercial websites in the EU.

DraftWorking draft for review. This document has not been settled by counsel and must be replaced with a lawyer-approved version before the site goes live.
01

Company

Registered legal name
Registered office address
Company registration number
VAT identification number

02

Contact

General email
Support email
Telephone

03

Representation

Names of directors or authorised representatives.

04

Regulatory and scheme status

State any payment-related registrations, scheme registrations and security certifications actually held. Claim nothing that is not held — these are verified.

05

Dispute resolution

Link to the EU Online Dispute Resolution platform and name any applicable alternative dispute resolution body.

Questions about this document?
Legal enquiries go to the same place as everything else.
Contact us
Resources/Verify a key

Check what you bought.

Enter your details and we will send a secure link to your email address, where you can view your digital key and confirm exactly what it granted, when, and from which company.

Key verification Secure
1Your details
2Email sent
3View key

We will send your key link to this address.

Your details are used only to locate and send your key. They are not stored, shared or added to any list.

What you will see.

Every key carries a record signed by three parties at the moment of sale, sealed so none of them can change it afterwards. Opening the link shows you all of it.

On the key

What was granted

The exact entitlement, the quantity, the duration and the account it was issued to.

On the key

Who sold it

Crotton as seller of record, and the company whose product the key unlocks.

On the key

When it happened

The date and time of purchase, the amount, the currency, and when the key was first opened.

On the key

Three signatures

The merchant, Crotton and your verified account, with the sealed record reference.

Do not recognise a charge?
Look the key up first. Almost every unrecognised charge turns out to be a purchase made under a seller name the cardholder did not recognise.
Read the FAQ
Digital Key One-time keys · merchant onboarding

The key that
opens once.

Digital Key turns a completed purchase into a strictly one-time link, delivered by WhatsApp and email. The end user opens it once, sees their key and reward, and steps straight onto your site to redeem. Any second open — a forward, a screenshot, a replay — is dead on arrival.

OnceAnd only once
WhatsAppPlus email
HashedOnly a hash is stored
3 callsFull integration
Key lifecycle Live
IssuedDK-7Q2PL0MCMinted
DeliveredWhatsApp · sentSent
Openedonce · link burnedConsumed
Redeemedon your siteClosed
Second openrefused
What it does

Six things it guarantees.

Strictly one-time

Only a hash of the link is stored. Opening it is a single atomic state change: exactly one visit ever receives the key. Refresh, back button, second device — all refused.

Delivered where they are

The link is sent by WhatsApp to the number captured at checkout, and repeated in your confirmation email. The delivery outcome is recorded on every key.

Closed loop

Your site checks the key state before it lets the end user claim, and reports redemption back. Issued, delivered, opened, redeemed — all on one timeline.

Packages managed here

Price your packages in the portal; your site reads them through the API. A price change is live without a deploy.

One secret per merchant

Onboarding creates the merchant, its login and its API secret key — emailed once, stored hashed, rotatable at any time. Without it the API returns nothing.

Built for acquirers

Every action — onboarding, key issue, open, redemption, rejected API call — is on the activity log, so the whole flow can be walked end to end.

How a purchase flows

Five steps, start
to redemption.

01

End user pays on your site

And enters their WhatsApp number on the payment step.

02

You call POST /keys

With the certificate and the reward. The key is minted.

03

The link arrives

On WhatsApp, and in your own confirmation email.

04

They open it once

Key and reward revealed, link burned, and a button back to you.

05

You unlock redemption

Once GET /keys/{id} reports the key as opened.

Three calls cover a full integration.
Read your packages, issue a key after a purchase, check whether it was opened.
Read the API
Resources/API Reference
Merchant API v1

Digital Key API.

All endpoints are JSON over HTTPS, authenticated with the merchant API secret key issued at onboarding. Three calls cover a complete integration: read your packages, issue a key after a purchase, check whether it was opened.

Overview

A digital key is a strictly one-time link. You mint one immediately after issuing a certificate or reward to an end user. The platform sends the link to their WhatsApp and returns it to you, so you can include it in your own confirmation email as well.

The first time the link is opened it reveals the key and the reward, and offers a button that sends the end user to your redeem URL. From that moment the link is dead — a second open, on any device, is refused. Only a hash of the token is ever stored.

Your price packages live in the merchant portal. Your website reads them through the API, so re-pricing or adding a package goes live without a deploy.

Base URL https://api.crotton.com

Authentication

Send the key on every request. Without a valid key nothing is returned — the response is 401.

Authorization: Bearer dk_live_…        # preferred
X-Api-Key: dk_live_…                   # also accepted

Keep the key server-side only. Rotate it at any time in the portal under API & integration — the previous key stops working immediately and the new one is emailed to the merchant contact.

curl -s https://api.crotton.com/api/v1/me \
  -H "Authorization: Bearer $DIGITAL_KEY_API_SECRET"
# 200 {"merchant":{"slug":"yourcompany","name":"YOUR COMPANY", ...}}

curl -s https://api.crotton.com/api/v1/me
# 401 {"error":"unauthorized","message":"API secret key required."}
GET/api/v1/packages

Your active packages in display order. Cache for up to a minute on your side.

{
  "merchant": { "slug": "yourcompany", "name": "YOUR COMPANY", "rewardUnit": "tokens" },
  "packages": [
    {
      "id": "clx…", "slug": "pro", "name": "Pro", "tierSlug": "pro",
      "priceCents": 10000, "currency": "EUR",
      "rewardAmount": 1500, "bonusPercent": 50,
      "tagline": "1,500 tokens - best value", "highlight": false, "sortOrder": 20,
      "updatedAt": "2026-08-25T12:00:00.000Z"
    }
  ],
  "generatedAt": "2026-08-25T12:00:05.000Z"
}
FieldMeaning
slugStable route slug for your checkout, lower-case with dashes. “custom” is reserved.
tierSlugWhich certificate tier your site issues this package as: standard, pro, studio or custom.
priceCentsPrice in minor units. Your site should treat this as authoritative.
rewardAmountTotal reward, in tokens or credits, that the end user receives.
bonusPercentDisplay-only bonus share, for example 50 renders as “+50% bonus”. May be null.
highlightFeature this package with accent styling.
POST/api/v1/keys

Issue a one-time digital key. Call it right after the end user’s certificate has been issued.

curl -s -X POST https://api.crotton.com/api/v1/keys \
  -H "Authorization: Bearer $DIGITAL_KEY_API_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "certificateId": "YCO-2026-7Q2PL",
    "holderName": "Jane Borg",
    "holderEmail": "jane@example.com",
    "whatsappPhone": "+35699123456",
    "reward": { "amount": 1500, "unit": "tokens", "label": "1,500 tokens" },
    "packageName": "Pro",
    "amountCents": 10000,
    "txnRef": "TXN-8H2KD0QA",
    "mandateRef": "MANDATE-K3F9A2QX",
    "redeemUrl": "https://yourcompany.com/certificate/YCO-2026-7Q2PL",
    "merchantReference": "order_01HZY…"
  }'
FieldNotes
certificateIdRequired. Your identifier for the certificate or reward the key unlocks.
whatsappPhoneRequired. E.164 with country code. Spaces and dashes accepted; a 00 prefix is normalised.
reward.amountRequired. Integer reward total shown on the key page.
reward.unit / labelOptional. Defaults to the merchant reward unit and a generated label.
redeemUrlOptional. Where the continue button sends the end user. Defaults to your redeem URL template; the key id is appended as ?dk=<keyId>.
reissueOfOptional. A previous key id to revoke before minting this one, for a re-send or a corrected number. At most one live link exists per certificate this way.
Optional contextholderName, holderEmail, packageName, amountCents, currency, txnRef, mandateRef, merchantReference — shown on the key page and your dashboard.

Response 201

{
  "key": {
    "id": "b7d3…", "ref": "DK-7Q2PL0MC",
    "url": "https://crotton.com/redeem/3f9a…64 hex…",
    "expiresAt": "2026-08-28T12:00:00.000Z", "status": "issued",
    "redeemUrl": "https://yourcompany.com/certificate/YCO-2026-7Q2PL?dk=b7d3…",
    "whatsapp": { "status": "sent", "error": null }
  }
}

whatsapp.status is sent, failed — the error explains why, for example the number is not on WhatsApp — or skipped. In every case, put key.url in your own confirmation email as well.

GET/api/v1/keys/{id}

Lifecycle state. Poll this, or call it when the end user lands on your certificate page, before allowing redemption.

{
  "key": {
    "id": "b7d3…", "ref": "DK-7Q2PL0MC", "status": "opened",
    "certificateId": "YCO-2026-7Q2PL",
    "openedAt": "2026-08-25T12:07:41.000Z", "redeemedAt": null, "revokedAt": null,
    "expiresAt": "2026-08-28T12:00:00.000Z", "createdAt": "2026-08-25T12:00:05.000Z",
    "whatsapp": { "status": "sent", "error": null },
    "merchantReference": "order_01HZY…"
  }
}

GET /api/v1/keys?certificateId=… lists your keys, latest first, maximum 100.

POST/api/v1/keys/{id}/redeemed

Report that the certificate behind the key was redeemed on your site. Closes the loop on the dashboard: issued, then opened, then redeemed. The body is empty; the response is 200 {"ok":true}.

POST/api/v1/keys/{id}/revoke

Kill an unopened key, for a refund or a wrong number. An opened key cannot be revoked, because it was used. Returns 409 if the key is not in the issued state.

GET/api/v1/me

Identifies the merchant behind the key. The simplest connectivity test.

Key lifecycle

issued ──(end user opens the link ONCE)──▶ opened ──(you call /redeemed)──▶ redeemed │ ├──(TTL passes, default 72 h)──▶ expired └──(/revoke or reissueOf)──────▶ revoked

Opening is an atomic conditional update on the platform: exactly one request ever receives the key. The page consumes the link with a script call once it is in front of the holder, so mail scanners and chat link-previewers that merely fetch the URL do not burn it.

Integration checklist

  • Store DIGITAL_KEY_API_URL and DIGITAL_KEY_API_SECRET server-side.
  • Render your pricing from GET /api/v1/packages, cached around 60 seconds, and charge the package priceCents.
  • Collect the end user’s WhatsApp number on your payment step. It is compulsory.
  • After issuing the certificate, call POST /api/v1/keys and put key.url in your confirmation email. Do not link the end user straight to redemption.
  • On your certificate page, allow the claim only when GET /api/v1/keys/{id} reports opened.
  • After redemption, call POST /api/v1/keys/{id}/redeemed.

Errors

StatusMeaning
400 invalid_requestValidation failed. The message names the field.
401 unauthorizedMissing, malformed, unknown or rotated API key. Nothing is returned.
403 merchant_suspendedThe merchant account is suspended by the platform administrator.
404 not_foundNo such key for this merchant.
409 invalid_stateThe key is not in a state that allows the action.
429 rate_limitedSlow down and honour Retry-After.

Every error body is { "error": "<code>", "message": "<human readable>" }

Questions about onboarding or access?
Sign in to the portal, or ask us to onboard your merchant. The welcome email carries the API key.
Contact us
Request a quote

Find out what your fraud line is worth.

A few questions about what you sell, how you take money today and what hurts. We come back within two working days with a measured baseline, a projected saving and a rate.

Scoping questionnaireReply in 2 working days
About you
Your business
Behind the key
Your numbers
Your setup
What hurts most
Anything else

Submitting opens your email client with every answer filled in, addressed to our team. On the live site this posts directly to us instead.

What happens next.

Step one

We measure your baseline

From your own dispute, refund and abuse figures rather than an industry average. This becomes the number the shared saving is calculated against.

Step two

We model the recovery

What trust scoring would have caught, what a signed record would have defended, and what that is worth against your volume.

Step three

You get a rate

One share of gross, plus the split on the saving. Every feature included regardless of size.

Request a quote