Questions merchants ask before signing.

We sit between your payment processor and the card networks’ alert programs. We catch alerts before they become chargebacks, auto-refund the ones that aren’t worth fighting, and represent the ones that are.

Fraud prevention stops bad transactions before they’re authorized. Disputeur handles what happens after authorization — when a real customer disputes a real charge. They’re complementary, not overlapping.

No. Disputeur doesn’t touch the authorization path. It only kicks in when a dispute is initiated post-purchase.

Our success rate is up to 99.8%.

Yes, our system reacts immediately when the issue arises. After that, there are two possible ways: chargeback is automatically transformed into a refund, or we take the challenge and dispute the chargeback. You can always contact us to learn more about the most suitable solution for your business.

Disputeur handles chargebacks for any payment processor. We help to manage Stripe, PayPal, Square, Klarna, Adyen, Authorize.Net, Worldpay, Braintree, 2Checkout, BlueSnap, Maxpay, Yuno, Primer, Chargebee, Sticky.io etc.

Disputeur can be integrated with almost every up-to-date payment system.

Visa (CDRN, Verifi RDR, Verifi Order Insight), Mastercard (Ethoca Alerts and Consumer Clarity), American Express, and Discover.

Yes. Disputeur supports multiple MIDs and entity routing.

The price starts from $10 per alert and depends on the monthly volume of chargebacks and MCC.

No. We charge per alert handled, regardless of outcome. We make money when you stay subscribed — which means we’re aligned to keep your dispute volume going down.

No. There are no setup fees and no extra development costs.

Yes — 14 days, no credit card required. We connect to a sandboxed view of your processor and show you what we would have done in the last 30 days of disputes.

SOC 2 Type II audit is in progress. SIG questionnaires and security one-pagers are available on request.

No. We never see PAN data. Tokens stay with your processor; we operate on transaction metadata and dispute alerts only.

EU (Frankfurt) and US (Virginia) regions, customer’s choice. We are GDPR-aligned and offer DPAs as standard.

Most merchants are live within one business day. Complex multi-MID setups can take up to a week. Our team handles the integration end-to-end.

Our Support team specialists are available 24/7. You can contact us through WhatsApp, chat on our website, email, or phone.

Our dedicated team monitors updates closely, guaranteeing your protection remains robust and up-to-date. We ensure rapid adjustments to align with evolving chargeback regulations due to proactive approach and advanced technology.

Three numbers: chargeback rate change, dispute-cost reduction (refunds + fees + monitoring), and representment win rate by reason code. We share all three monthly.

• Financial Losses. Chargebacks result in direct financial losses for businesses, forcing them to refund the disputed transactions and bear additional chargeback fees.
• Increased Operational Costs. Dealing with chargebacks requires significant time and resources, including personnel to handle disputes, investigate claims, and gather evidence. This increases operational costs for businesses.
• Damage to Reputation. Frequent chargebacks can damage a business’s reputation and trust among customers and payment processors. It may lead to increased scrutiny, restrictions, or even termination of merchant accounts.
• Disruption of Cash Flow. Chargebacks can disrupt a business’s cash flow, especially for small and medium-sized enterprises. The delayed or withheld funds during the dispute process can affect liquidity and hinder day-to-day operations or planned growth initiatives.

While refunds typically require the return of purchased items for a money-back guarantee, chargebacks involve cardholders seeking bank intervention to bypass merchants. Successful chargeback disputes result in merchants losing revenue and merchandise value and additional costs like shipping and interchange fees. Merchants also incur administrative fees for each chargeback.

A chargeback reason code is an alphanumeric code ranging from 2 to 4 digits issued by the bank responsible for a chargeback. Its purpose is to pinpoint the cause of the dispute. Major card brands such as Visa and Mastercard maintain their distinct sets of reason codes.

Friendly fraud occurs when a customer mistakenly or intentionally initiates a chargeback on a valid transaction without first seeking a refund from the merchant. Many actions linked to friendly fraud are not inherently illegal; often, the cardholder may not be fully aware of their actions.

1. The cardholder keeps any shipped merchandise.
2. An additional chargeback fee is imposed on the merchant.
3. Unrecoverable overhead costs, encompassing shipping and handling, further compound the losses.
4. Transaction processing fees are wasted, and challenging invalid charges demand extra time and resources.

A high-risk merchant account, tailored for businesses in high-risk sectors, enables card payments but with stricter conditions and higher costs than standard accounts. Processors categorize merchants based on their financial risk, especially susceptibility to fraud and chargebacks. High-risk merchants have limited processor choices, pay higher fees to offset risks, and face stricter contracts.

Merchants and acquirers navigate the chargeback process through distinct phases, each with varying response time frames influenced by card networks and other factors.

Concerning Visa, American Express, and Discover card chargebacks, merchants generally have a 20-day response window per phase, while Mastercard allows 45 days.

However, the practical response time is often much shorter. Acquirers and processors can set their deadlines, significantly reducing the merchant’s response time to as little as 5-10 days in many instances.