Chargeback protection service

Pay $10 per case or 20% on wins

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

0.9%

Visa VAMP threshold — above this, your acquirer is formally notified

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.

Flat fee
$10
per case
  • Predictable cost
  • No % taken from recovery
  • Best for AOV above $50
  • No minimum
Zero risk
Success fee
20%
of recovered amount only
  • Pay only when you win
  • No upfront cost
  • Best for zero-risk preference
  • Switch anytime

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 →