Chargeback protection service

Pay 20% of what we recover

Chargeback Protection: Defend Your Business in 2026

A chargeback ratio above 0.9–1% triggers Visa/Mastercard monitoring fines. Real protection combines prevention - stopping disputes before they happen - with professional representment for the ones that get through.

Get in touch →See the two layers ↓
✓ Visa, Mastercard, Amex, Discover✓ Any payment processor✓ No monthly minimum

Two layers of chargeback protection

Protection isn't just fighting disputes one by one - it's prevention that stops them before they happen, plus professional representment for the ones that get through.

Layer 1 - Prevention

  • Clear billing descriptors - cut "unrecognized charge" disputes 20–30%
  • Pre-chargeback alerts (Verifi/Ethoca) - convert to refund before it hits your ratio
  • 3D Secure - shifts fraud liability to the issuer
  • Easier cancellation flows - cuts subscription disputes 15–25%

Layer 2 - Representment

  • Respond to every dispute, not just the obviously winnable ones
  • Reason-code-specific evidence, not generic templates
  • Deadlines tracked - a missed window is an automatic loss
  • Compelling Evidence 3.0 applied for eligible Visa fraud disputes

Why your ratio matters

1.5%

Visa VAMP Excessive threshold (fraud reports + disputes, from April 2026)

1%

Mastercard MCMP threshold - triggers monthly monitoring fines

$1K–50K

Monthly fines possible once you're in a monitoring program

2%

Ratio above this puts your merchant account at termination risk

Protection priorities by business type

🛒

eCommerce

Delivery confirmation, AVS/CVV matching, and 3DS on high-value orders. Visa 10.4 fraud is your top dispute - CE3.0 eligibility matters most.

🔄

Subscriptions

Pre-notify before renewals, make cancellation visible, keep usage logs. Subscription chargebacks run 1.85% average - highest of any type.

💾

Digital goods

Instant delivery means no shipping confirmation - IP address, device fingerprint, and download logs are your entire evidence base.

✈️

Travel & hospitality

Multi-party bookings and cancellation policies create complex disputes - clear terms shown at checkout reduce ambiguity claims.

Simple, transparent pricing

Two options - choose what works for your business.

Zero risk
Success fee
20%
of recovered amount only
  • Pay only when you win
  • No upfront cost
  • Lost disputes cost nothing
  • No minimum, no contract

Frequently asked questions

Get in touch

Fill in the form and we'll get back to you within one business day.

0/20 min

We reply within 1 business day. No sales calls, no pressure.

UK merchants - see UK-specific guide →Australian merchants - see AU-specific guide →See how we compare to Chargebacks911 →Chargeback Handling Service →Chargeback Recovery Service →Chargeback Representment Service →Chargeback Fraud: Detection & Prevention →How to Choose a Chargeback Management Service →Dispute Management Service →Chargeback Outsourcing for Canada →How to Reduce Your Chargeback Rate →Chargeback Best Practices for Merchants →