Cut Chargebacks. Maintain Revenue
A disciplined prevention stack, combined with responsive customer care, stops most chargebacks at the source, protecting approval rates, margins, and processor relationships.
Why Chargebacks Matter More Than Ever
Chargebacks trigger a complex, costly dispute cycle. Make sure to Treat chargebacks as a KPI, monitor them frequently and have mitigation plans.
Direct Financial Costs
Operational Costs
Regulatory Risk
Lower Fees,
Higher Win Rates.
Consider chargebacks as a fundamental KPI, equally important as revenue and conversion rates. Utilize precise documentation, provide prompt responses, and maintain ongoing surveillance to achieve and sustain low chargeback ratios and ensure stable processing.
Stop Chargebacks Before They Start
Layered Fraud Controls
Block bad orders before they are billed with AVS/CVV checks, dynamic 3D Secure on high-risk attempts, velocity limits, device fingerprinting, and geo/risk rules.
Service-first Resolution
Make support obvious and reachable (live chat, rapid email). Solve issues (refund when sensible) before the cardholder calls their bank.
Transparent Checkout & Billing
Show full pricing up front, accurate product descriptions, recognizable billing descriptors, and clear renewal notices for subscriptions.
Evidence on Hand
Keep organized records invoices, tracking logs, T&C acceptance, and customer communication - to strengthen any case you do fight.
Effective Chargeback Resolution
Act Fast
Monitor alerts daily and respond inside the window (often 10–30 days). Early, complete submissions lift win rates.
Decode the Claim
Use the reason code to shape your strategy, different cases require different proofs.
Evidence Pack
Invoice + delivery proof, AVS/CVV results, device data, refund logs, wrapped in a concise, factual rebuttal letter.
Submit by the Book
Follow each acquirer/network’s format and portal rules exactly (IDs, file types, templates) to avoid auto-rejects.
Choose Your Battles
Accept valid cases; contest strong “friendly fraud” or misunderstanding disputes. Aim for a high win rate, not maximum volume.
Learn from Patterns
Review reason codes and spikes by product, campaign, or cohort.
Choosing the Right Payments Partner
Representment Help
A partner that works on remediation plans when ratios rise, rather than defaulting to termination.
Transparent Economics
Clear fee tables (including dispute fees), reserves policy, and termination terms, no surprises.
Real-time Visibility
Instant dispute alerts + a live dashboard so you can act within deadlines and avoid auto-losses.
Prevention Stack
Network alerts, dynamic 3D Secure, and pre-chargeback workflows that resolve issues before they hit your ratio.
Start Optimizing Your Payments Today
Experience the power of intelligent transaction routing and a seamless payment ecosystem with PayFirmly.
