Chargeback management
Track disputes, respond with the right evidence, and fix the patterns that cause them in the first place.
Chargebacks are an operations problem
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.
How the setup works for your account
Central dispute log
Every case, deadline and outcome in one place instead of scattered across email.
Deadline tracking
Representment windows are short and unforgiving. Missed deadlines are automatic losses.
Evidence templates
Structured response packs by reason code, so you send what the issuer actually wants.
Root-cause reporting
Group disputes by reason code and product to see what is actually driving them.
Reducing the ratio
Fix your billing descriptor
Unrecognised statement entries are one of the largest single causes of disputes. Make yours obviously yours.
Prove delivery
Tracking with signature on higher-value orders removes an entire dispute category.
Make refunds easy
A customer who can get a refund from you will not ask their bank for one. A refund costs less than a chargeback.
Common questions
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.
Stop the dispute before it becomes a chargeback.
When a cardholder disputes a sale, the alert networks tell us before it turns into a chargeback. You refund inside the window and it stops there: no chargeback, no fee, and nothing counted towards the ratio that gets merchant accounts closed.
Ethoca, CDRN and Visa RDR, worked from one portal with a countdown on every alert. Four fields to create your account, and pricing is confirmed in writing before anything is switched on.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.