Getting Started
How chargebacks work
A step-by-step walkthrough of the dispute lifecycle — from the cardholder claim through representment and final ruling.
Chargeback reason codes explained
Every Visa, Mastercard, Amex, and Discover reason code with dispute strategies and required evidence.
What is a chargeback win rate?
How win rate is calculated, what constitutes a good rate, and how to benchmark your performance against industry averages.
How to reduce your chargeback rate
Proven tactics to lower your dispute ratio before disputes are filed — from clearer billing descriptors to proactive refund policies.
Dispute Guides by Processor
Stripe chargebacks
How Stripe handles disputes, timelines, evidence requirements, and how to respond directly in the Stripe Dashboard.
PayPal chargebacks
PayPal dispute flows differ from card network rules. This guide covers resolution timelines, seller protection, and the claims process.
Shopify chargebacks
Managing disputes through Shopify Payments and Stripe Connect — what Shopify shows, what to submit, and common pitfalls.
Adyen chargebacks
Adyen's dispute API, notification webhooks, chargeback defence flows, and how to use the Customer Area for responses.
Braintree chargebacks
Braintree dispute statuses, the evidence submission window, PayPal coverage rules, and integration gotchas.
Chargeback Management
Best chargeback management software 2026
Compared: ChargeMate, Chargeflow, Chargehound, Midigator, and manual alternatives. Win rates, pricing, and integrations.
Chargeback management outsourcing
When outsourcing beats in-house — costs, win rate benchmarks, and what to look for in a service partner.
In-house vs outsourcing
Side-by-side comparison of costs, control, win rates, and scale — with a decision framework for growing merchants.
AI chargeback management 2026
How AI-generated dispute responses compare to human-written rebuttals — evidence quality, speed, and what card networks actually evaluate.
How to choose a chargeback management company
Questions to ask, red flags to avoid, and a scoring framework for evaluating outsourcing vendors.
Free Tools
Chargeback ROI Calculator
See how much revenue you recover by fighting disputes instead of accepting losses. Enter your monthly dispute volume and average order value.
Chargeback Cost Calculator
Calculate the true cost of each chargeback including fees, processing costs, merchandise, and staff time — not just the transaction amount.
BIN Lookup
Identify the issuing bank, card type, network, and country from the first 6–8 digits of any card number. Free, no login required.
VAMP Calculator
Calculate your Visa VAMP ratio (TC40 fraud + TC15 disputes) and see if you are approaching the 1.5% Excessive threshold.
Mastercard Fines Calculator
Estimate your Mastercard MCMP chargeback fine exposure by month and tier — before your acquirer sends the invoice.
Compare Solutions
ChargeMate vs Chargeflow
Pricing, win rates, integration complexity, and which merchants are better served by each platform.
ChargeMate vs Chargehound
Chargehound was acquired by Stripe. Here is what that means and what to use instead.
ChargeMate vs Midigator
Midigator is designed for enterprise volumes. See how it compares to ChargeMate for growing merchants.
ChargeMate vs Chargebacks911
Chargebacks911 targets large retailers. This comparison covers pricing, scope, and suitability for SMBs.
ChargeMate vs Manual Process
What you are giving up by handling disputes in-house — time per case, win rate gap, and break-even volume.
Agency vs software chargeback recovery
The key differences between managed services and self-serve software — and how to choose for your dispute volume.
Reason Codes
Chargeback reason codes determine what evidence you need to win. ChargeMate covers every code across Visa, Mastercard, Amex, and Discover. Browse all 73 reason codes.
Visa 10.4
Card-absent fraud — the most common Visa chargeback reason code. What evidence wins and common mistakes.
Mastercard 4853
Goods or services not provided. What Mastercard requires and how to demonstrate delivery or fulfilment.
Amex C08
Goods or services not received. Amex C08 requirements and evidence that wins the dispute.
All reason codes
Browse the full library — every Visa, Mastercard, Amex, and Discover code with dispute strategy and evidence checklist.
Ready to fight back?
ChargeMate writes custom dispute responses and submits them before the deadline. No integration required.
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