Chargeback prevention

Stop chargebacks before they count against you

Every chargeback costs you a fee, the sale and a step closer to a card-brand monitoring program. We set up the tools that stop disputes early and watch your ratios every day.

Who this is for

  • Merchants near or in a card-brand monitoring program
  • Subscription and trial-offer businesses
  • High-ticket and future-delivery services
  • Anyone who has been warned by their processor
01

Rapid Dispute Resolution (Visa RDR)

Disputes that match rules you set are resolved automatically with a refund, before they become chargebacks.

02

Ethoca alerts and CDRN

When a cardholder contacts their bank, you get an alert. Refund within the window and the chargeback never happens.

03

VDO

Order details are shared with the cardholder’s bank when a question comes in, so many disputes are withdrawn before they’re ever filed.

04

3-D Secure

Customers verify card-not-present purchases with their bank through a one-time code, biometrics or app approval. This cuts fraud and can shift liability for fraud chargebacks away from you.

05

Compelling evidence

When a dispute does come through, we help you answer it with compelling evidence, including what Visa’s Compelling Evidence 3.0 rules accept for fraud disputes, such as earlier undisputed purchases by the same customer.

06

Daily ratio monitoring

Our platform tracks your chargeback ratio by card brand and forecasts where the month will end, so we can act before a threshold rather than after a warning letter.

FAQ

Chargeback prevention: common questions

What is VAMP?

Visa’s Acquirer Monitoring Program measures fraud reports and disputes as a share of your settled transactions. Crossing its thresholds brings fees and can end in termination. We track where you stand every day.

Do alerts cost money?

Alert services charge per alert, usually far less than a chargeback fee plus the lost sale. We help you decide which tools pay for themselves at your volume.

Talk to a payments consultant

Tell us about your business. We’ll tell you which processor fits, what it should cost, and how we’ll keep it optimized after you’re approved.