General Business ServicesFraud Prevention5CriticalOwner$ implied

A tarot reader selling PDFs and readings is experiencing fraudulent UPI chargebacks, leading to bank account holds and blocked withdrawals, causing her to consider quitting.

Existing UPI payment methods lack built-in fraud protection for digital goods sellers, leaving them vulnerable to chargeback abuse with no recourse.

Opp. Score

Severity

5Critical

Willingness to Pay

implied

Added

Sep 14, 2026

Implied Software Gaps

Payment solution with fraud prevention and seller protection for digital goods
Dispute management system to handle UPI chargebacks automatically

App Concept

SecurePay Digital Goods

A payment platform tailored for digital content sellers that verifies buyer identity, uses escrow-like hold periods, and provides chargeback protection. It ensures funds are released only after a dispute window, preventing fraudulent refunds.

Key Features

Buyer identity verification via OTP and device fingerprinting
Escrow-style holding of funds with configurable release windows
Automated digital delivery with proof of access logging
Chargeback dispute assistance with evidence compilation

Target Users: Independent digital content sellers, including tarot readers, course creators, and e-book authors, especially sole proprietors in India using UPI.

Revenue Model: Per-transaction fee (e.g., 2% + ₹3) plus optional subscription for enhanced chargeback protection.

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