Strategies to Reduce Chargeback Rates for Issuers

Reduce chargebacks with real-time fraud detection, seamless compliance, and adaptive policies for confident, efficient transaction management.

Are Your Current Fraud Tools Leaving You Vulnerable to Multichannel Threats and Regulatory Pitfalls?

Consolidate your fraud detection across channels, streamline compliance, and boost cardholder trust with seamless, integrated solutions.

Fragmented Threat Visibility Across Channels

Siloed fraud tools give issuers limited insight across cards, ACH, and wallets. Cross-channel schemes escape detection, inflating chargebacks and inviting regulator scrutiny.

Rising Regulatory Complexity & Liability

PCI DSS v4.0, PSD2 SCA, Reg E/Z, and shifting regional rules force issuers to update systems constantly, draining resources and risking fines when disputes are mishandled.

Excessive False Positives Erode Cardholder Trust

Rigid rulesets decline good spend, trigger unwarranted disputes, and push cardholders to competitors, shrinking interchange and raising chargeback inquiry volumes.

Labor-Intensive Dispute Investigations

Analysts juggle spreadsheets, emails, and network portals. Slow evidence gathering extends chargeback windows, drives write-offs, and inflates operating costs.

Transform Fraud Defense with FraudNet's Advanced Solutions

Empower issuers with unified insights, real-time risk management, and streamlined compliance to tackle fraud.

FraudNet Unified Data Lake

Combines card, ACH, and wallet data for 360° issuer insight.

FraudNet Real-Time Scoring

Millisecond risk scores cut fraud and unnecessary declines.

FraudNet Adaptive Rules Engine

Low-code updates meet new mandates without release cycles.

FraudNet Smart Case Manager

Automates evidence capture and routing to slash review time.

Key Capabilities For Issuers

Comprehensive Fraud Protection

Gain unparalleled visibility with a single console that integrates all payment channels, enabling you to detect cross-channel fraud early and prevent disputes from escalating to chargebacks—eliminating the hassle of managing multiple tools and enhancing your operational efficiency.

Real-Time Decisioning With Fewer False Declines

Experience seamless fraud prevention with AI-driven scoring that adapts in milliseconds. Effortlessly block high-risk transactions while approving genuine spending, ensuring uninterrupted interchange revenue and cultivating cardholder loyalty. Stay ahead of fraud threats without compromising on customer satisfaction or operational efficiency.

Effortless Compliance & Audit Readiness

Effortlessly navigate the evolving landscape of PCI, PSD2, and Reg E/Z with automated reporting and auditable workflows. Spend less time on compliance prep and stay ahead of regulatory changes, ensuring your systems are always ready to meet the latest requirements.
Impact & Results

Delivering Results that Matter

We don’t just promise better fraud control—we deliver tangible improvements that protect your business.

97%

Fewer False Positives

Approve more valid transactions confidently.

88%

Fraud Reduction

Experience double-digit reductions in fraud-related chargebacks

60%

Cost Savings

Save time and resources while securing your revenue.

Why FraudNet

Future-Proof Your Fraud & Risk Program

With an integrated platform designed for precision, agility, and impactful results, enabling your team to make smarter decisions, improve operational efficiency, and fuel your business growth.

Customizable & Scalable

No-code rules engine, flexible dashboards, and tailor-made machine learning models that are designed to adapt seamlessly and scale alongside your business.

End-to-End Platform

Unify fraud detection, compliance, and risk management into one powerful solution, saving valuable time and streamlining your operations.

AI Precision You Can Rely On

Reduce false positives, detect and prevent more fraud, and mitigate risk with highly accurate, real-time risk scoring and anomaly detection you can trust.

Real-Time Fraud Intelligence

Leverage advanced analytics, comprehensive reporting, and our Global Anti-Fraud Network to make faster, smarter decisions on the spot.

Testimonials

Real Success From Real Teams

Fraud.net’s flexibility has helped our AfterPay business grow by allowing us to meet our increasingly complex customer and country requirements. Their platform has enabled Arvato to increase our agility and significantly reduce fraud attacks.

Director Risk & Fraud, Arvato

FraudNet's combination of customized machine learning and flexible rules management has been transformative. We've achieved dramatic efficiency gains while maintaining robust fraud protection - a game-changer as we navigate evolving regulatory requirements.

Head of Financial Crime, Countingup

The great usability of Fraud.net is night and day when comparing it to our prior risk prevention platform. Reporting is also faster, more straightforward, and more impactful. With Fraud.net, we can easily visualize and share findings, providing our leadership with a clear understanding of the return-on-investment for our activities in real-time.

Fraud Manager, Global Financial Institution

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FAQs

What is an issuer chargeback?

An issuer chargeback occurs when a credit card issuer reverses a transaction due to disputes such as unauthorized transactions, fraud, or merchant errors. The process is initiated by the cardholder contacting their bank to contest a charge, prompting the issuer to investigate and potentially return the funds to the cardholder. This can result in fees and penalties for merchants, making chargeback management crucial for businesses.

Why is reducing issuer chargebacks important?

Reducing issuer chargebacks is important because it minimizes financial losses for merchants and improves their relationships with banks and customers. High chargeback rates can lead to increased fees, penalties, and even the termination of merchant accounts. Additionally, managing chargebacks effectively helps maintain a business's reputation and customer trust, ensuring long-term sustainability and profitability.

What are common reasons for issuer chargebacks?

Common reasons for issuer chargebacks include fraudulent activity, such as unauthorized credit card use, merchant errors like incorrect billing amounts, duplicate charges, or unsatisfactory goods or services. Additionally, chargebacks can occur due to technical issues during transactions, misunderstanding of product descriptions or terms, and delays in delivery. Understanding these reasons can help merchants implement strategies to prevent chargebacks.

How can issuers help reduce chargebacks?

Issuers can help reduce chargebacks by implementing robust fraud detection systems, educating cardholders about safe transaction practices, and maintaining clear communication with merchants. They can also provide merchants with detailed chargeback data and insights, enabling them to identify and address common issues. Additionally, streamlining the dispute process and collaborating with merchants to resolve disputes efficiently can reduce the frequency of chargebacks.

What role does customer service play in reducing chargebacks?

Customer service plays a crucial role in reducing chargebacks by addressing customer concerns before they escalate to disputes. By providing clear communication, swift resolution of issues, and transparent transaction information, businesses can build trust and prevent chargebacks. Effective customer service ensures that customers feel valued, which can lead to increased satisfaction and loyalty, reducing the likelihood of chargebacks due to misunderstandings or dissatisfaction.

What are some strategies to prevent issuer chargebacks?

Strategies to prevent issuer chargebacks include implementing robust fraud detection and prevention measures, verifying customer identities during transactions, and providing clear product descriptions and return policies. Ensuring transparent billing practices, maintaining accurate transaction records, and offering excellent customer service can also help reduce chargebacks. Additionally, merchants can analyze chargeback trends to identify common issues and implement targeted solutions to address them.