Chargeback Prevention Platform

Stop chargebacks before they ever happen.

Prevention alerts, representment and Visa RDR in one place. Keep the revenue you earned, protect your merchant account, and stay well under the card network limits.

  • Alerts up to 72 hours before a chargeback is filed
  • No migration. Works with the gateway you already have
  • A dedicated dispute analyst, not a ticket queue
See how it works
Powered by
Visa Mastercard Verifi, a Visa solution Ethoca by Mastercard

Get in touch

Tell us where you stand today. We will come back with a free review of your last three months of disputes.

We reply within one business day.

24–72hrs

Warning before a dispute becomes a chargeback

0%

Of US Visa disputes covered by RDR

Visa's own published figure. 83% globally.
0+

Processors, gateways and carts integrated

24/7

Specialists watching your account

What we do

Three layers of protection,
one platform

Most providers sell you one piece of this. We run all three, so every dispute gets stopped at the cheapest stage it can be.

01 Customer entering card details on a laptop while shopping online

Prevention Alerts

The moment a cardholder queries a transaction, you hear about it. Refund inside the window and it never touches your ratio. Alerts arrive by email, SMS, dashboard or API.

Get advanced alerts
02 Recovered revenue represented by a spread of US dollar bills

Representment

Our analysts build the evidence pack, write the rebuttal and file it before the deadline. You approve it. We handle the paperwork.

Win more disputes
03 Shopper paying with a contactless card at a retail counter

Visa RDR

Set your refund rules once. Qualifying Visa disputes then settle automatically at the issuer. No chargeback, no ratio hit, nothing for your team to do.

Enrol in Visa RDR
The process

From first signal
to final report

Four stages, fully managed. You make the calls. We do the monitoring, the paperwork and the chasing.

01

Detect

Verifi and Ethoca feeds are monitored continuously. Any query against your MID triggers an alert with full transaction data and reason code.

02

Validate

We check the claim against your order records, delivery proof and customer history, then tell you whether to refund or fight. The reasoning comes with it.

03

Resolve

Refunds are processed instantly. Disputes worth fighting get a full evidence pack and rebuttal letter, filed before the network deadline.

04

Improve

Every case feeds your reporting. Descriptor confusion, subscription friction, fraud patterns: we show you the cause so the next one never happens.

ROI calculator

See what you are
leaving on the table

Put your own numbers in. Everything below recalculates as you type, including what it costs to run representments in house and how the two paths compare over a full year.

Your chargeback profile
transactions
$
0%100%
0%100%
Potential chargeback performance
Per month Per annum
Total chargeback liability $1,677,000 $20,124,000
Your recovery today $678,540 $8,142,480
Recovery with ChargeGuard (74% win rate) $1,240,980 $14,891,760
Additional recovery $562,440 $6,749,280
74% win rate, 100% of eligible disputes fought Uplift 83%

Cost of doing it in house

1,196 disputes fought per month, 92% of 1,300

Month Year
Gross recovery $678,540 $8,142,480
Pre-arbitration fees (215 × $15) −$3,225 −$38,700
Staff cost (4.3 FTE × $6,000) −$26,000 −$312,000
Total operating cost −$29,225 −$350,700
Net recovery $649,315 $7,791,780

Assumes $15 per pre-arbitration, 18% of fought cases reaching pre-arb, and one analyst per 300 disputes at $6,000 a month.

Twelve month projection

Cumulative recovery, your process against ours

Cumulative recovery over twelve months Two lines comparing cumulative recovery on your current process against ChargeGuard.
Your process With ChargeGuard

Our line ramps over the first four months while onboarding and evidence templates are built.

Ready to recover $6,749,280 more a year?

Send us three months of dispute data and we will validate these numbers against your real cases.

Book a review Get started

An illustration of the reporting view. Sample figures, not a client result.

Reporting

Numbers your finance team can actually use

No exported spreadsheets, no guessing. Every dispute is tagged, costed and traced back to a cause, across every MID you run.

  • Root-cause analysis See whether losses come from friendly fraud, descriptor confusion, delivery problems or genuine fraud, and what each one costs you.
  • Ratio monitoring with early warnings Track your chargeback ratio against Visa and Mastercard thresholds, with alerts long before you approach a monitoring programme.
  • Win-rate breakdown by reason code Know exactly which representments are worth filing, so your team stops spending hours on cases that cannot be won.
  • Benchmarking against your industry Compare yourself against similar merchants in your MCC. Context, not just raw numbers.
Coins spilling from a jar, representing revenue leaking away through disputes
Friendly fraud

“I didn't buy this.” But they did.

Most chargebacks are not criminal fraud. They are real customers disputing real purchases, which makes them the most winnable cases you have. Provided you can produce the evidence fast enough.

  • Real-time transaction flagging Suspicious patterns are surfaced as they happen, not in a monthly report when the deadline has already passed.
  • Automated evidence gathering AVS and CVV results, IP and device data, delivery confirmation, login history, prior orders. All compiled for you.
  • Repeat-abuser detection Customers who dispute again and again get flagged across your MIDs, so you can block them before the next order ships.
Speak with a dispute expert
Why ChargeGuard

Built for merchants
who are tired of losing

Four things that decide whether a chargeback programme actually works, and where most providers quietly fall short.

A named analyst

One person who knows your business, your descriptors and your customers. Not a rotating support queue.

Scales with you

One MID or forty. A hundred disputes a month or ten thousand. Same platform, same response times.

PCI DSS Level 1

Card data is handled under the strictest compliance tier in the payments industry, with encryption in transit and at rest.

Global & multi‑currency

Cross-border disputes, multiple currencies and international acquirers are handled natively. No second provider needed.

Two colleagues celebrating a successful result at their desk
Results

What changes in the first 90 days

Merchants who move to a layered setup tend to see the same pattern. Alerts absorb the easy losses straight away. Representment starts recovering revenue in month two. Reporting closes the root causes by month three.

Month one

Alerts go live. Disputes that were silently becoming chargebacks now get refunded or fought inside the window.

Month two

Representment volume ramps up. Recovered revenue starts landing back in your account.

Month three

Root-cause fixes ship. Descriptor updates, refund policy changes, subscription reminders.

Ongoing

Monthly review with your analyst, benchmarked against your industry and your own baseline.

Integrations

Already works
with your stack

Processors, gateways, shopping carts, CRMs, fulfilment tools. Connect what you already run. No replatforming, no code rewrite.

Don’t see yours? Search the full directory, or ask us.

Browse all 120+ integrations
Client feedback

What merchants say

“

Their chargeback reports helped us cut losses significantly. We now act faster, win more disputes, and stay ahead of fraud trends effortlessly.

T
Thomas Smith
CEO of LTD Company
“

We had no idea how much money we were losing to avoidable chargebacks. The reports gave us clarity and control we didn’t know we needed.

R
Rachel Morgan
Founder of Morgan Wellness
“

The insights are incredibly detailed yet easy to understand. We’ve improved internal processes and reduced chargeback ratios below the industry average.

J
James Carter
COO of Digital Cart Inc.
“

With customizable dashboards and automated alerts, our team can finally respond to disputes strategically instead of reactively.

E
Emily Reyes
VP of Risk at Sublytics
“

The best part? Real results. We’ve seen a 40% increase in chargeback win rates since implementing their analytical tools.

M
Michael Bennett
E-commerce Director at NovaTech
FAQ

Questions merchants actually ask

Something not covered here? Send it over and a dispute analyst will answer it directly.

Ask us instead

It is a notification sent the moment a cardholder queries a transaction with their bank, before that query turns into a formal chargeback. You typically get 24 to 72 hours to either refund the customer or submit evidence. Resolve it in that window and the chargeback never counts against your ratio.

Most alert networks give you 24 to 48 hours. That is why alerts are delivered by SMS and API as well as email, and why you can set auto-refund rules for low-value transactions where fighting the case costs more than the sale.

Filing happens within the network deadline, usually a few days. The issuer's decision typically comes back in 30 to 60 days, though complex cases and arbitration can run to 120 days. You can track every case's stage in the dashboard.

Order records, delivery or download confirmation, customer communication, your refund policy and terms of service. Once your platform is connected most of this is pulled automatically. We only come to you for anything the integration cannot reach.

No. ChargeGuard sits alongside your existing setup and connects to 150+ processors, gateways and platforms. Setup is a configuration exercise, not a migration. Most merchants are live within a week.

Depending on the reason code and network rules, a second presentment or arbitration may be available. Your analyst will tell you honestly whether it is worth the arbitration fee. Sometimes it is not, and we will say so.

E-commerce and retail, subscriptions and continuity, digital goods and SaaS, travel and ticketing, and financial services. High-risk MCCs are welcome, and those are usually the merchants who need this most.
Get Started

Find out what chargebacks are really costing you

Send us your last three months of dispute data. We will come back with a breakdown of what was preventable, what was winnable, and what it would take to fix. No obligation, and nothing to install.

Get a Complimentary Consultation support@charge-guard.com

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