Dispute Management

Stop losing money
to chargebacks.

We build automated proof of delivery systems, dispute-ready packets, and ratio monitoring to keep your chargeback ratio below the threshold that triggers processor termination.

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0.4%Avg CB ratio

<1%Visa threshold

48hrDispute response

Chargeback MonitorMonitoring active

CB Ratio

0.4%

↓ Safe zone

Disputes

↑ This month

Win Rate

78%

↑ Above avg

Recent Disputes

#ORD-4821$89.00Won

#ORD-4756$124.00Pending

#ORD-4698$67.00Won

What's included

Win disputes. Keep your ratio down.

Every chargeback is a threat to your processor relationship. We build systems that prevent them, fight them, and keep your ratio in the safe zone.

Proof of Delivery System

We automatically collect and store shipping confirmation, tracking numbers, and delivery photos for every order — creating an airtight paper trail for every dispute.

Dispute-Ready Packets

When a chargeback comes in, we already have everything needed to fight it. Customer records, order confirmation, delivery proof, and IP logs assembled automatically.

Ratio Monitoring

We track your chargeback ratio in real time against Visa thresholds (1% warning, 2% termination) and alert you before you approach dangerous levels.

Fraud Order Flagging

High-risk orders are flagged before fulfillment. We check for velocity patterns, mismatched billing, and other fraud signals to stop chargebacks before they start.

Representment Submissions

We submit well-documented representments for winnable disputes. Most legitimate merchants win 60-80% of properly documented chargebacks.

Chargeback Insurance

For eligible merchants, we set up no-chargeback insurance programs that cover 100% of losses from confirmed chargebacks.

Process

How it works.

From audit to protected in under a week.

System Audit

We review your current order flow, fulfillment process, and documentation practices to identify where chargebacks are coming from.

Protection Setup

We install automated proof of delivery collection, fraud flagging, and ratio monitoring on your store. Done in 3-5 days.

Dispute Response

When chargebacks come in, we build and submit complete representment packets within 48 hours.

Ongoing Monitoring

We monitor your ratio continuously and adjust your fraud prevention settings as patterns change.

FAQ

Common questions.

Visa's monitoring threshold is 1% — meaning if 1% or more of your transactions result in chargebacks, you enter their monitoring program. Termination typically happens around 2%. We target keeping clients under 0.8%.

Yes. If you have documentation — order confirmations, tracking numbers, delivery records — we can submit representments for recent chargebacks. Win rates vary but are typically 60-80% for properly documented cases.

The chargeback protection system works independently of your processor. We install it at the store level, so it works regardless of which processor you're using.

We can still help. We'll start by analyzing where your chargebacks are coming from, fix the underlying issues, and get the ratio down before it triggers processor action.

Stop losing moneyto chargebacks.