Win more chargebacks. Recover revenue with expert representment.
We turn your payment and customer data into compelling evidence, then manage the entire representment process, so you win more disputes without the manual work.
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Merchants represented
Average chargeback win rate
All-in-one chargeback recovery and representment software.
When a chargeback hits, speed and evidence quality decide the outcome. Our chargeback recovery software pulls your data together, builds compelling evidence packs, and manages representment end-to-end, so you win more disputes with less manual work.
Compelling evidence built from your data
Automatically collect payment, billing, identity, usage, delivery, and policy evidence into issuer-ready packs. The right evidence, formatted correctly, every time.
Chargeback representment workflows that save time
Auto-triage by reason code, amount, issuer, product, or customer. Route for review or submit automatically. No manual sorting.
On-time submissions
Deadlines tracked. Documents compiled. Responses submitted on time, every time. No last-minute scrambling.
Automation where it matters
Disputes are matched to the right transaction automatically. Evidence is assembled consistently, at scale. Higher chargeback win rates without adding headcount.
Done-for-you chargeback representment
Hand it over completely. Our team manages the representment process end-to-end, from evidence gathering to submission to tracking outcomes. You get clear reporting; we handle the rest.
How the chargeback representment process works
From integration to submission, here's how we recover revenue from chargebacks.
Connect your systems
We plug into your gateway, processor, billing, and order data.
Disputes land in ChargebackStop
We ingest cases automatically and normalise the details.
We build the compelling evidence pack
Payment, policy, delivery, usage, identity, communications. Pulled in and formatted.
We submit representment before the deadline
A customer spots a charge they’re unhappy with – it could be fraud, an item not received, or a billing confusion. They contact their bank to dispute it.
You get outcomes and insights
Win rates, root causes, and what to change to prevent repeats.
Chargeback Management Solution for Top Industries
ChargebackStop delivers results across a wide range of industries. We tailor our approach to common challenges in each sector:
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.
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
Chargeback representment is your formal response to a dispute. When a customer files a chargeback, you have the right to challenge it by submitting evidence proving the transaction was legitimate.
The representment process involves gathering compelling evidence, transaction records, delivery confirmation, customer communications, policy agreements, and presenting it to the issuing bank.
If your evidence is strong enough, the bank reverses the chargeback and returns the funds to your account. Without representment, every chargeback becomes an automatic loss.
Industry-wide, merchants win roughly 20-30% of chargeback disputes. Most losses come from weak evidence, missed deadlines, or not responding at all.
With proper representment, compelling evidence matched to the specific reason code, submitted on time, win rates climb to 40-60%.
ChargebackStop clients see an average 80% win rate on filed disputes because we automate evidence gathering and never miss a deadline.
The key is fighting the right chargebacks with the right evidence. Not every dispute is worth contesting, but when you do fight, preparation determines the outcome.
Response deadlines vary by card network:
Visa: Typically 30 days from dispute notification
Mastercard: Usually 45 days, but varies by reason code
American Express: 20 days for most disputes
Discover: 20 days from notification
Miss the deadline and you forfeit your right to representment. The chargeback stands, you lose the funds, and you absorb any fees.
ChargebackStop tracks every deadline automatically. Disputes are flagged, evidence is compiled, and submissions go out with time to spare, no manual calendar management required.
The evidence you need depends on the reason code.
Common types include:
Transaction records: Authorisation data, AVS/CVV match, 3D Secure authentication
Delivery confirmation: Tracking numbers, signed receipts, proof of digital delivery
Customer communications: Order confirmations, support tickets, refund requests
Policy documentation: Terms accepted at checkout, refund policy, cancellation terms
Usage data: Login history, service access logs, download records (for digital goods)
The most common mistake? Submitting generic evidence that doesn't address the specific reason code. A fraud dispute requires different proof than a "product not received" claim.
ChargebackStop builds evidence packs tailored to each reason code, pulling the right data from your connected systems automatically.
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.
