Reduce chargebacks with real-time fraud detection, seamless compliance, and adaptive policies for confident, efficient transaction management.
Consolidate your fraud detection across channels, streamline compliance, and boost cardholder trust with seamless, integrated solutions.
Siloed fraud tools give issuers limited insight across cards, ACH, and wallets. Cross-channel schemes escape detection, inflating chargebacks and inviting regulator scrutiny.
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.
Rigid rulesets decline good spend, trigger unwarranted disputes, and push cardholders to competitors, shrinking interchange and raising chargeback inquiry volumes.
Analysts juggle spreadsheets, emails, and network portals. Slow evidence gathering extends chargeback windows, drives write-offs, and inflates operating costs.
Empower issuers with unified insights, real-time risk management, and streamlined compliance to tackle fraud.
We don’t just promise better fraud control—we deliver tangible improvements that protect your business.
Approve more valid transactions confidently.
Experience double-digit reductions in fraud-related chargebacks
Save time and resources while securing your revenue.
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.
No-code rules engine, flexible dashboards, and tailor-made machine learning models that are designed to adapt seamlessly and scale alongside your business.
Unify fraud detection, compliance, and risk management into one powerful solution, saving valuable time and streamlining your operations.
Reduce false positives, detect and prevent more fraud, and mitigate risk with highly accurate, real-time risk scoring and anomaly detection you can trust.
Leverage advanced analytics, comprehensive reporting, and our Global Anti-Fraud Network to make faster, smarter decisions on the spot.
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.
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.
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.
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.
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.
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.