Case Study: Pangea Money Transfer achieves zero chargeback liability and a 99.2% approval rate with Riskified

How Pangea automated its fraud review process to make online international money transfers fast, fair, and accessible to everyone

Pangea, a cross‑border online remittance company launched in 2014, was facing significant fraud‑related chargebacks early in its growth, risking customer acquisition and the smooth mobile experience (95% of orders from mobile). To avoid high‑friction manual reviews and protect revenue, Pangea selected Riskified for real‑time approve/decline decisioning with an incentivized pricing model and a 100% chargeback guarantee.

Riskified automated Pangea’s fraud review process, eliminating fraud‑related losses and enabling low‑friction onboarding. The partnership delivered measurable impact: 0% chargeback liability, a 99.2% approval rate, and 98% of first‑time customers approved — allowing Pangea to grow rapidly while improving detection of illicit activity.

Pangea Money Transfer

Natalia MacWilliam

VP Risk & Compliance