Chargeback Management

Control chargebacks.
Protect your ratios.

Deflect the fake claims. Defend the disputes you can win. Avoid the ones you can’t. Stay inside scheme thresholds without thinking about it.

Every stage, defended

From the first alert to the final scheme verdict.

Disputes move fast and the rules are scheme-specific. Chargetower works the whole pipeline: stop what shouldn’t become a chargeback, defend what should be won, and keep the ratios that protect your processing.

01 / DEFLECT
Alerts and deflection
Get notified the moment a dispute hits the issuer, before it becomes a chargeback. Refund, deflect, or resolve directly inside the alert window. No more disputes you only hear about after they post.
02 / DEFEND
Automated representment
Build evidence packages from the data already in your stack: order details, device fingerprints, delivery confirmation, login history, comms. Submit on the right reason code, on the right deadline, every time.
03 / CONTROL
Ratio control on auto-pilot
Watch your ratios at the merchant ID, processor, and scheme level. Get warned before you hit Visa VDMP or Mastercard ECP thresholds. Course-correct early, not after the fine lands.
Connected to the networks

Wired straight into Visa and Mastercard.

Direct integrations with the card networks’ dispute systems. Scheme-compliant workflows built in. Real-time alerts, network-led resolution flows, and evidence formats that match the rule books, not your guess at them.

  • Real-time alerts, deflection, and avoidance across all card brands.
  • Network-led resolution flows with Visa RDR, CDRN, and Ethoca.
  • Reason-code-correct evidence packages, scheme-compliant by default.
  • One workflow for every processor, instead of one tool per acquirer.
Connected, not isolated

Chargebacks don’t happen in a vacuum.

Every chargeback is a story that started somewhere upstream. The fraud signals at checkout, the identity check at signup, the customer’s history. Pull the thread end to end.

i

Fraud signals become dispute evidence.

The device, behaviour, and risk data at checkout lands in the evidence package automatically. No screenshots, no copy-paste.

ii

Dispute outcomes train the fraud model.

Friendly fraud, true fraud, and merchant errors are labelled at the end of the cycle. The model learns from every verdict.

iii

Identity history strengthens your case.

Verified at signup, verified at step-up, verified at the doorstep. Issuers see a customer trail, not a faceless order.

What changes

Fewer chargebacks. More wins. Ratios under control.

The numbers your acquirer cares about, the numbers your team stops fighting, and the calendar that frees up when both go right.

Recover more
Higher win rates on representment

Cleaner evidence, right reason codes, on the deadline. Win the disputes you should be winning.

Prevent more
Disputes stopped before they post

Alert-driven deflection cuts dispute volume before the chargeback ever hits your processor.

Stay clear
Ratios inside scheme thresholds

VDMP and ECP monitoring before you trip them. Stay off the watchlists that cost real money.

Deflect the noise.
Defend the worth.
Hold the ratio.

One control tower for every dispute, every alert, every scheme deadline. Built for the merchants who can’t afford to lose either side.

Hold the line at checkout.