Blog di chargeback
Our blog teaches you everything you need to know about chargebacks and the payment industry. As well as some case studies from us.
Justt Alternatives: 5 Options Compared (2026)
Justt automates post-filing representment and publishes no rate, so the five alternatives split between representment peers (Chargeflow, Chargebacks911), prevention that stops the dispute first (Chargeback.io, Chargeblast), and checkout fraud screening (Kount).
Chargebacks911 Alternatives: 4 Options Compared
Chargebacks911 fights chargebacks after they file, so the four alternatives worth comparing split into prevention tools that stop the dispute first (Chargeback.io, Chargeblast) and remediation tools that fight it after (Chargeflow, Chargeback Gurus).
Amazon Chargebacks: Fees, Timelines, and When to File One
An Amazon chargeback is a dispute a buyer files with their own bank rather than through Amazon, costing the seller a $20 Amazon Pay dispute fee, an 11-day response window, and a hit to the Order Defect Rate that Amazon restricts sellers over at 1%.
Chargeback Statistics 2026: 25+ Facts on Fraud, Costs & Trends
Use the most relevant chargeback and fraud statistics to strengthen your chargeback prevention strategy. This piece highlights current, credible data that matters to merchants.
What Is a Chargeback? The Full Breakdown
A chargeback is a forced refund a customer's card-issuing bank sends back to their account without the merchant's approval, and the reason code attached to it decides whether a prevention alert could have stopped it.
What Are Subscription Chargebacks?
A subscription chargeback is a dispute filed against a recurring charge under an ordinary reason code like Visa 13.2, usually because the customer says they cancelled, forgot the subscription existed, or didn't recognize the charge, making billing clarity rather than fraud screening the fix.
What Is Payment Orchestration?
Payment orchestration is a software layer that connects a merchant's checkout to multiple payment processors and routes each transaction to the best one in real time based on cost, approval rate, currency, and uptime, though the fee only pays off once a store runs high enough volume across a second processor.
What is synthetic identity fraud?
Synthetic identity fraud combines a real person's stolen Social Security number with fabricated details to build a credit identity that belongs to nobody, which incubates for months of on-time payments before the fraudster maxes every credit line and disappears.
What is triangulation fraud?
Triangulation fraud is a three-party scheme where a fake seller collects a real buyer's payment, then fulfills that order using a stolen card at a legitimate retailer, leaving the retailer to absorb the loss since the goods have already shipped by the time the true cardholder disputes the charge.
What is velocity checking?
Velocity checking is a fraud control that flags or blocks payments or logins once the same card, account, device, or IP crosses a preset count in a set time window, catching automated card-testing bursts while missing a patient fraudster who slows down to stay under the limit.
What Is Zero Liability Protection?
Zero liability protection is the Visa and Mastercard policy that caps a cardholder's loss on unauthorized charges at $0, leaving the fraud loss and the burden of proof on the merchant while excluding commercial cards and unregistered prepaid cards.
3D Secure (3DS): What It Is, Fraud Prevention Data, Downsides
3D Secure is an authentication protocol that verifies a cardholder's identity during an online payment and shifts fraud-chargeback liability to the issuing bank when it succeeds, but it does nothing for non-fraud disputes, and in Chargeback.io's own dataset only 9.9% of disputed transactions had it enabled at the time of the charge.
Square Chargeback Policy (2026): Fees, Chargeback Protection
Square charges no separate chargeback fee, just its standard 2.6% + 15¢ processing rate, but merchants get a 7-day window to respond to a dispute notice before the issuing bank rules within up to 90 days, and Square dropped its Chargeback Protection reimbursement program back in April 2019.
What Is TC40 Data? TC40, SAFE, and the VAMP Connection
TC40 (Visa) and SAFE/FLD (Mastercard) are fraud-report records an issuing bank files with the card network when a cardholder disputes a charge as fraud, distinct from a chargeback since no money moves, and since June 2025 Visa's VAMP program counts these reports against a merchant's monitoring ratio even when no chargeback follows.
How to Prevent Chargebacks: The Alert-Based Method
Chargeback prevention works in two layers: fixing root causes like billing descriptors, delivery confirmation, and refund speed, then catching what slips through with Ethoca and Verifi (RDR/CDRN) dispute alerts that can prevent up to 91% of chargebacks before they file.
Soft Decline vs. Hard Decline: What's the Difference?
A soft decline is a temporary rejection that can often be fixed and retried, while a hard decline is a permanent bank-side refusal that needs a different card, and poor handling of either can turn into friendly fraud weeks later.
What Is Regulation Z?
Regulation Z implements the Truth in Lending Act and gives credit card holders the right to dispute billing errors, with issuers required to acknowledge within 30 days and resolve within 90, covering seven defined error categories that don't include simple quality complaints.
What Is Regulation E?
Regulation E is the federal rule implementing the Electronic Fund Transfer Act, giving consumers dispute rights and capped liability on unauthorized debit, ACH, and P2P transfers, with a bank decision required in 10 business days (or 45 with a provisional credit).
Chargeback.io vs Chargeflow: which one to pick
Chargeback.io and Chargeflow resell the same Ethoca and Verifi alert networks, so coverage is identical; the real differences are price, support, dashboard focus, and how fast you can enroll.
Payment Gateway vs. Payment Processor: The Difference
A payment gateway captures and encrypts card data at checkout while a payment processor moves the money to the card networks and banks, and it's the processor, not the gateway, that handles a chargeback.
What Is a Payment Facilitator (PayFac)?
A payment facilitator lets other businesses accept card payments under its own master merchant account, and when a sub-merchant can't cover a chargeback, the payment facilitator ends up paying it.
What Is Address Verification (AVS)? Codes and Limits
Address Verification Service (AVS) compares the billing address entered at checkout against the card issuer's records, returning a match, partial match, no-match, or unavailable code, and it only catches address-based fraud, not stolen cards carrying the real billing address.
Best Shopify Payments Alternatives in 2026
Stripe, Authorize.net, Square, and Adyen are the four leading Shopify Payments alternatives, each fitting a different switching reason, and none of them lower a merchant's underlying chargeback rate without a separate alert layer.
What Is a Chargeback Rate (and How to Calculate and Lower It)
A chargeback rate is the percentage of transactions that end in a chargeback, and keeping it under the roughly 0.65% network monitoring threshold (while checking your processor's own stricter internal limit) is what keeps an account off a monitoring program.
Chargeblast vs Chargeback.io: pricing and features
Chargeblast and Chargeback.io resell the same Ethoca and Verifi alerts, so coverage ties; Chargeback.io wins on price ($15 vs. $19 per alert), a pay-for-success billing model, and roughly half the enrollment time.
Riduci il tasso di controversie oggi
Unisciti a oltre 800 aziende che utilizzano Chargeback per prevenire i chargeback automaticamente: la configurazione richiede meno di 2 minuti.
