Prevent 95% of disputes with chargeback alerts. Fight the rest.
Chargeback management software for modern merchants. We help merchants and payment providers stop chargebacks, protect revenue, and reduce dispute rates.
350k+
Chargebacks prevented
1.5k+
Merchants represented
Next-generation chargeback management software. All in one place.
Chargeback management is a data and automation problem. We turn your payment, billing, and usage data into prevention & evidence
Chargeback Prevention Alerts
Stop chargebacks the moment a customer disputes, before fees, before ratio damage, before the headache.
Managed Chargeback Recovery
We build the case for you to approve or we run it all end-to-end.
Automatic Refund & Subscription Controls
Set rules by amount, descriptor, issuer, timeframe, product, customer.
Fraud Notifications (TC40/TC15/SAFE)
Get fraud signals in real time, not after the damage is done.
Risk & Chargeback Intelligence
Track your chargeback rate in real-time. Stay ahead of Visa and Mastercard thresholds.
Customer & Bank Facing Digital Receipts
Give issuers the “what happened” story before a dispute escalates.
If you’re using a legacy vendor or none at all, you’re probably paying to react.
ChargebackStop is built to prevent first, then recover with cleaner evidence and less ops time.
Already with another provider?
Without protection
Chargebacks arrive first, you react late
Ratios live in spreadsheets, not decisions
Surprise reserves, sudden account pressure
Manual representment that drains ops time
With ChargebackStop
Alerts give you a prevention window before disputes land
One dashboard for ratios, reason codes, issuers, processors
Healthier merchant account that reduces reserve risk
Fully managed evidence packs built from your data
With another vendor
Manually request credits for invalid or duplicate alerts
Low automation with weak matching logic
One-size-fits-all pricing, often expensive
Limited reporting and little insight
With ChargebackStop
Automatic credits for invalid or duplicate alerts
High automation with accurate matching
Fair alert pricing per provider
Unified insights dashboard with actionable reporting
Chargebacks are a tax on growth
Most teams only count fees. The real cost is lost revenue, ops time & processor risk. Run your numbers instantly.
Avg. Number of Chargebacks per Month:
Avg. Transaction Value:
Total Annual Chargeback Cost
Book a 20-min chargeback audit
Direct network connections
No resellers. Faster enrolment, fewer “middleman” issues.
Fair alert pricing
If you’re paying $30 per alert, you’re likely overpaying. We price fairly, focus on automation and honest results.
Credit protection
We filter duplicates and invalid alerts automatically, so you don’t pay twice.
There's one thing we understand most across industries, that's chargebacks.
Our platform is specifically tailored to adapt to every chargeback reason code, service type and scheme. We're here to support and guide you.
eCommerce & Retail
Protect your margins by reducing fraud and chargebacks across every sales channel. ChargebackStop helps retail merchants prevent chargebacks from friendly fraud, delivery disputes, and unauthorised purchases, safeguarding both inventory and revenue. Our solution supports online, in-store, and omnichannel commerce, integrating with the platforms you already use.
SaaS & Subscription
Protect recurring revenue by reducing fraud and subscription chargebacks. ChargebackStop helps SaaS and subscription businesses prevent disputes from false unauthorised claims, forgotten renewals, and usage-based confusion, protecting MRR and customer lifetime value. Our platform handles everything from trial and renewal disputes to usage-based chargebacks, integrating seamlessly with your billing, access control, and product systems.
Travel & Hospitality
Protect bookings from chargebacks and post-stay disputes. ChargebackStop helps hotels and hospitality providers defend revenue using verified reservation, check-in, and policy data that issuers expect to see. From OTA bookings to direct reservations and mobile check-ins, we integrate across your property and payment systems.
Financial Services
Protect high-risk transactions by reducing fraud and financial chargebacks. ChargebackStop helps financial services businesses prevent disputes tied to identity abuse, unauthorised withdrawals, and instalment confusion, protecting both funds and trust. Our platform supports everything from account verification and top-ups to instalment payments, integrating seamlessly with KYC, payments, and core financial systems.
Every chargeback looks identical to a bank. We tailor the response to yours.
From single-processor startups to multi-processor enterprises, we adapt the workflow, data sources, and strategy as you scale.
Small Businesses & Startups
Chargeback protection without enterprise pricing.
Mid-Market & Scaleups
Scale your chargeback management without scaling your team.
Large Corporates & Enterprises
Unified view across processors, regions, and legacy systems.
However your dispute data shows up, we integrate & automate.
Eliminate manual chargeback workflows and operational overhead. We build API, webhooks, SFTP, gateway connectors, and do custom work when needed.
One-Click Gateway Connections
Connect your gateway or processor in minutes. Pre-built integrations for Stripe, Adyen, Authorize.Net, NMI, ACI Worldwide, and more.
eCommerce Platform Plugins
On Shopify, Magento, WooCommerce, BigCommerce, or similar? Install a plugin and start syncing disputes and order data fast.
APIs & Webhooks
Need a custom build or proprietary stack? Use our API and webhooks to push and pull dispute data however you like.
Data Export & BI
Want your own reporting? Export clean, detailed chargeback data to your BI tool for analysis, forecasting, and audits.
Custom Data Connectors
If you’ve got something unique, we’ll build the connector. Custom integrations and tooling to fit your environment.
Results that speak for themselves.
See what some of our merchants have to say.
99.5%
Reduction in Chargebacks
ChargeBackStop has literally helped our charity save the lives of highly disadvantaged rare disease children. The staff provided us with highly personalized implementation for our unique needs. Our dispute rate quickly dropped to 0.01%, a level much lower than similar charities. Highly recommended with A+++ for both staff and software!
Dr. Aaron Tabor
President of a Charity
We switched to ChargebackStop from Chargebacks911 and their platform's performance has been fundamental to our continued growth. Our dispute rate went from 0.8% to 0.02% while saving us over 60% of costs. On top of that, they are an absolute delight to work with. Highly recommend!
Frequently asked questions
We know your business runs on a stack of commerce tools – so we’ve made sure ChargebackStop plugs into that ecosystem effortlessly
What is a chargeback and how does it affect my business?
A chargeback occurs when a cardholder disputes a transaction with their bank, and the bank forcibly reverses the payment from your merchant account. Unlike a refund you initiate, a chargeback is filed without your consent and comes with penalties regardless of the outcome. How chargebacks affect your business:
1. Direct costs: You lose the transaction amount, the product or service delivered, and pay a chargeback fee ($15-100 per dispute)
2. Ratio monitoring: Visa and Mastercard track your chargeback rate. Exceed 0.9% and you'll face fines, higher processing fees, or account termination
3. Operational burden: Each dispute requires staff time to gather evidence and submit a response within tight deadlines The chargeback process typically takes 60-120 days to resolve, during which the funds remain frozen. Even when merchants win disputes, they've already spent time and resources fighting them.
Modern chargeback management focuses on prevention, stopping disputes before they're filed, rather than fighting them after the fact.
How can I prevent chargebacks before they happen?
The most effective way to prevent chargebacks is to intercept disputes before they're officially filed with the card networks. This is possible through chargeback alerts—real-time notifications sent when a cardholder initiates a dispute with their bank. How chargeback prevention works:
1. A customer contacts their bank to dispute a charge
2. Before the bank files a formal chargeback, an alert is sent to you
3. You can issue a refund within a 24-72 hour window
4. The dispute is resolved without becoming a chargeback on your record
This approach prevents chargebacks from ever hitting your ratio, protecting your merchant account status and avoiding chargeback fees entirely.
Additional prevention strategies include:
1. Clear billing descriptors so customers recognize charges on their statements
2. Proactive customer service to resolve issues before they escalate
3. Delivery confirmation and tracking for physical goods
4. 3D Secure authentication for high-risk transactions Prevention is significantly more cost-effective than fighting chargebacks after they occur.
Merchants using pre-chargeback alerts typically see dispute rates drop by 85-95%.
What is friendly fraud and how do chargeback alerts stop it?
Friendly fraud (also called first-party fraud) occurs when a legitimate customer makes a purchase, receives the product or service, and then files a chargeback claiming the transaction was unauthorized or the item never arrived. Unlike true fraud from stolen cards, the actual cardholder is the one disputing the charge. Friendly fraud now accounts for 60-80% of all chargebacks, making it the biggest threat to merchant profitability.
Common scenarios include:
1. Buyer's remorse disguised as "item not as described"
2. Family members making purchases the cardholder doesn't recognize
3. Customers forgetting about subscriptions or recurring charges
4. Intentional abuse by serial refund fraudsters
How chargeback alerts combat friendly fraud: When a customer files a friendly fraud dispute, you receive an alert with transaction details before it becomes a formal chargeback.
This gives you the opportunity to:
1. Reach out to the customer directly to resolve confusion
2. Issue a refund if appropriate (avoiding the chargeback fee and ratio impact)
3. Gather evidence for disputes you choose to fight
By resolving friendly fraud at the alert stage, you prevent the chargeback from affecting your ratio while maintaining flexibility in how you handle each case.
What happens if my chargeback rate gets too high?
Card networks actively monitor your chargeback ratio, the percentage of transactions that result in disputes. Exceed their thresholds and you'll face escalating consequences that can threaten your ability to accept payments. Processors like Stripe typically enforce lower limits than the networks so staying under 0.5% is super important.
What's the difference between a chargeback and a refund?
Both result in the customer getting their money back, but the similarities end there. A refund is a merchant-initiated reversal. A chargeback is a bank-initiated forced reversal, and it comes with penalties. Chargeback alerts allow you to refund a dispute before they turn into chargebacks.
Start preventing & recovering chargebacks today.
See coverage, estimate savings, and get a go-live plan in one call. We're the chargeback prevention company trusted by 1,500+ merchants.
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