Track disputes, respond with the right evidence, and fix the patterns that cause them in the first place.
Every chargeback costs you the sale, the goods, and a fee — and a chargeback ratio that stays high can put your merchant account into a monitoring programme or get it closed. Most merchants can reduce their ratio significantly without touching their fraud tools at all, because a large share of disputes are recognition and delivery problems rather than actual fraud.
Every case, deadline and outcome in one place instead of scattered across email.
Representment windows are short and unforgiving. Missed deadlines are automatic losses.
Structured response packs by reason code, so you send what the issuer actually wants.
Group disputes by reason code and product to see what is actually driving them.
Unrecognised statement entries are one of the largest single causes of disputes. Make yours obviously yours.
Tracking with signature on higher-value orders removes an entire dispute category.
A customer who can get a refund from you will not ask their bank for one. A refund costs less than a chargeback.
Card networks run monitoring programmes with published thresholds, and processors often act before those are reached. We will tell you where your account stands.
Sometimes, with clear evidence: delivery confirmation, matching AVS, prior transaction history and communication records.
Not once the chargeback is filed. You can end up out both amounts, so refund before it escalates.
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.
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