Theodore Sterling
What is EMV Liability Shift & Has It Helped With Chargeback Reduction?
The EMV liability shift makes merchants liable for fraud if they don’t provide certain secure payment methods. Here’s how it may impact you.
Differences Between a Chargeback & A Retrieval Request
A retrieval request is when the bank requests information, but the issue hasn’t yet made it to a chargeback. A chargeback is when the bank forces a reversal of funds. There’s more to these distinctions. Let’s explore.
What is 3D Secure & Does It Prevent Chargebacks?
3D Secure is a protocol requiring extra verification for purchases. Typically through a passcode or additional information. Keep reading to see how it can reduce chargeback rates.
What Is the TMF MATCH List & How to Get Off of It
A MATCH list, also known as TMF, is a database managed by card networks to identify high-risk merchants. This guide explains how you might end up on it and what to do if you are.
How to Prevent & Beat Twitch Chargebacks in 2024
This guide will explain chargebacks and how to prevent them on Twitch. Many of these tips can also apply to other streaming platforms like YouTube and Kick. Keep reading to learn more.
What is Merchant Override Decline?
A merchant override decline happens when an issuer approves a purchase, but an acquirer blocks it. Explore its causes — and how to avoid them.
What is a Rolling Reserve & How Do They Work?
A rolling reserve is a portion of transactions that a payment processor temporarily holds. These cover potential liabilities, such as chargebacks. Keep reading to learn how rolling reserves work and how they may impact your business.
Stripe High-Risk Business: What it Means & How to Avoid Bans
High-risk businesses on Stripe are those deemed risky due to certain criteria. These include product types, excessive chargebacks, or other factors. Penalties for these businesses include reserves, account limitations, and bans. Read on to learn how to stay on Stripe’s good side.
What Are Late Presentment Chargebacks & How to Prevent Them?
Late presentment chargebacks occur when you miss a transaction deposit deadline, leading issuers to file a chargeback. Read on to learn what they are and how to prevent them.
What Is a Billing/Statement Descriptor & Why Making the Right One is Crucial
A billing (or statement) descriptor appears on bank statements to help customers recognize their transactions. Keep reading to learn why creating the right descriptor is essential for preventing chargebacks.
Can You Go to Jail for Chargebacks
You can’t go to jail for filing a chargeback, but you can if you commit chargeback fraud. This means abusing the chargeback system. Keep reading to learn if your actions may cross this line.
What Is Ethoca Consumer Clarity & Will It Prevent Chargebacks?
Ethoca Consumer Clarity helps customers view order details and manage subscriptions through an app, website, or call center. This can prevent friendly fraud chargebacks. Read on to decide if it’s right for your business.
What Are Product Unacceptable Chargeback & How to Prevent Them
Product unacceptable chargebacks happen when customers believe they didn’t receive the correct product. Let’s explore how to prevent and manage these chargebacks.
Do “No Chargeback Agreements” With Buyers Work?
A no-chargeback agreement is a clause in terms of service where a customer agrees not to file a dispute if the merchant meets their end of the agreement. This guide explores whether these clauses actually prevent chargebacks.
What Is EMV Bypass Cloning & Should I Worry About It in 2024?
EMV bypass cloning occurs when a hacker uses a shimmer to copy a card’s chip data onto a magnetic stripe card. Allowing them to make unauthorized purchases. Let’s dive into how it works and whether it can be prevented.
What is a Chargeback in Accounting?
Chargeback accounting involves tracking revenue losses caused by chargebacks. This isn’t as cut-and-dried as it seems. Keep reading for more context.
What is a Pre-Arbitration Chargeback & Why It’s Awful
A pre-arbitration chargeback is a step in the chargeback process that happens before arbitration. It gives every party another chance to resolve a dispute before involving a third party. Read on to learn how these affect you.
What Is Chargeback Management & Why Is It Important?
Chargeback management is the process of fighting and preventing chargebacks. The goal is to keep chargeback rates within an acceptable range and to stop friendly fraud. Keep reading to learn whether it’s right for you.
Ripoff Report Complaints: What is it & How to Remove It From the Internet in 2024
The best way to remove a report from Ripoff Report is to report the link to search engines. Even then, it might not be worth your time. Keep reading to find out why.
What is Visa Claims Resolution & Did It Help With Disputes?
Visa Claims Resolution (VCR) changes reason codes and adds new processes for Visa’s dispute process. It has reduced disputes by up to 18%. However, it has caused some challenges for sellers. Keep reading to find out more.
What is a Chargeback Rate & Why You Should Care About It
A chargeback rate helps card networks decide if you’re a high-risk seller. It also shows if you have too many chargebacks. Keep reading to understand why this number is important.
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The Ultimate Chargeback Rebuttal Template (And Guide)
A chargeback rebuttal letter responds to a customer's payment dispute. It needs details about the chargeback and proof the order was real. It also asks the bank to take action. Keep reading to learn how to write a dispute-winning letter.
Friendly Fraud Prevention in 2024: What Can You Do?
Some prevention methods include fraud detection and writing clear product descriptions. Another big one is having transparent return policies. Keep reading for more strategies.
What is CDRN Alerts & Do you need it?
Verifi CDRN is a type of chargeback alert. It notifies merchants about potential issues with orders, giving them up to 72 hours to respond. This window allows them to refund or challenge the issue. Here’s more on how these alerts work and if they actually reduce chargebacks.
What is Ethoca And Their Chargeback Alerts?
Ethoca is a Mastercard-owned platform that helps prevent chargebacks. Keep reading to decide if it's right for your business.
What Stripe Chargeback Rate Is Too High?
Stripe doesn’t have a fixed chargeback rate, but it does impose penalties for high rates. Keep reading to learn about these consequences and how to manage your rates.
What is Verifi and Their Chargeback Alerts
Verifi is a Visa-owned platform specializing in chargeback prevention solutions. Keep reading to see if it’s right for your business.
Should Users Be Banned for Chargebacks?
Merchants can ban customers for chargebacks, but it's not a strong prevention method. Read on to learn more.
Comprehensive Guide to Square Chargebacks in 2024
This guide will tell you everything about how Square handles chargebacks. Keep reading to learn more.
What is a Chargeback Monitoring Program (And Why They’re Bad)
Chargeback monitoring programs watch and punish sellers with too many chargebacks. Each card brand has different penalties. Let's explore these programs and how to avoid them.
Chargeback Reason Codes for All Card Networks (Updated 2024)
This guide explains chargeback reason codes and their uses. It covers codes for different card networks and why chargebacks happen. Learn how to use them as a merchant.
Mastercard Chargeback Monitoring Program Guide for Beginners
Mastercard’s Excessive Chargeback Program tracks dispute rates. Merchants with too many chargebacks face fines until they reduce their rates. Stay below the threshold to avoid penalties. Read on to learn more.
5 Best Chargeback Prevention Software: Competitors to Help You Avoid Disputes in 2024
This guide compares the best alternatives for your chargeback protection solution. Keep reading to learn how to avoid chargebacks.
7+ Best Shopify Fraud & Chargeback Prevention Apps in 2024
This guide compares the best fraud prevention apps for Shopify. Keep reading to find ways to reduce fraud.
Capital One Chargeback Guide for Merchants (2024)
This guide will teach merchants how to handle Capital One chargebacks. Learn how to increase your chances of success when dealing with them.
A Beginner’s Guide to Debit Card Chargebacks
This guide will teach you what a debit card chargeback is, how to deal with it, and how to prevent them. Read on to deal with these headaches.
Chargeback Companies: How to Choose the Right Provider
This guide will help you understand chargeback companies. We'll look at what they are and what to think about when choosing one. Read on to find your next chargeback solution.
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What is Rapid Dispute Resolution (RDR)? A Beginners Guide
Rapid Dispute Resolution (or RDR) automatically refunds customers based on a set of rules. This results in lower chargeback rates. Learn how this can help you and how to use it.
Visa Merchant Purchase Inquiry Guide for Beginners
Order Insights, once Visa Merchant Purchase Inquiry, is an API for sending order details to issuers. It can deflect 30% or more of chargebacks. Let's explore if it's worth using.
What Is a Chargeback Alert? A Beginners Guide
Chargeback alerts tell sellers when a customer has an order issue. The merchant can then refund the order. This stops a chargeback. Read on to see if they're worth using.
Ethoca and Verifi: What are the Differences & Do You Need Both?
Both providers offer alerts that prevent chargebacks. Ethoca works with global customers. Verifi mainly serves US customers. Let's explore the differences.
Visa Dispute Monitoring Program Guide for Beginners
The Visa Dispute Monitoring Program is a system that encourages merchants to lower their chargeback rates. Otherwise, they’ll face fees and might lose their ability to process Visa cards. Read on to learn how to avoid being placed in this program.
6 Best Chargeflow Alternatives to Consider
This article presents potential alternatives to Chargeflow for dispute prevention and management. Continue reading to discover your next solution.
6 Best Justt.ai Alternatives to Consider
This piece will compare Justt competitors in the field of dispute resolution and prevention. Read on to uncover your ideal solution.
7 Best Chargebacks911 Alternatives to Consider
This piece will provide potential alternatives to Chargebacks911 for dispute prevention and management. Keep reading to find your next solution.
5 Best Chargeblast Alternatives to Consider
Today, we're going to discuss some Chargeblast alternatives for handling those pesky disputes. Stick around if you want to find a new go-to solution.
5 Best Midigator Alternatives to Consider
This guide will scope out some Kount (formerly Midigator) competitors in the world of dispute prevention. Stick with me, and we might just find your new secret weapon.
RDR vs. CDRN vs. Ethoca - Which is Right for You?
RDR, CDRN, and Ethoca differ in card brands, alert costs, and regions. Let's explore these differences.
PayPal Statistics & Data for 2024
This guide will show you PayPal statistics from 2024 and earlier. Keep reading to learn whether they’re the right payment processor for your business.
7 Best Stripe Apps in the Stripe Marketplace of 2024
This guide presents 7 of the best handpicked Stripe apps. Keep reading to find ways to save time and make more money.
EMV SRC Explained for Beginners
EMV SRC is a standard that enhances online payment security. It provides a consistent and secure method for e-commerce transactions. Read on to learn more.
How to Avoid Chargebacks in SaaS
This guide will teach you how to avoid chargebacks in the SaaS industry. Keep reading to learn how to prevent chargebacks and deal with them.
9 Chargeback Reasons & How to Prevent Them
Some of the most common reasons for chargebacks include fraud transactions and duplicate charges. Keep reading to find more reasons and how to prevent them.
TC40: What They Are & How They Help You
Customer banks make TC40 reports containing transaction details and send them to card networks. From there, card brands will use these reports to determine whether a merchant is high-risk. You can use these reports to prevent chargebacks. Keep reading to learn how.
Shopify Chargeback Protection: Complete Guide for Sellers
Shopify’s chargeback protection uses Fraud Protect. This program has software that flags fraud. It handles fraud chargebacks for you and reimburses dispute fees. But, it only works for eligible transactions. Keep reading to find out more.
The Ultimate Guide To Shopify Chargebacks
This guide will simplify Shopify’s chargeback process. Keep reading to learn more.
How to Handle High-Risk Orders on Shopify in 2024
Cancel and refund high-risk orders that you can’t verify. As many of them will result in chargebacks. Keep reading to learn how to identify these orders and what else to do.
What’s the Shopify Chargeback Fee in 2024?
Stripe’s chargeback fee is $15 per chargeback. The actual fee will vary by country. It’s refundable only if you win your chargeback. Keep reading to learn more.
How to Win Shopify Chargeback in 2024
Providing compelling evidence is the best way to improve your odds of winning a Shopify chargeback. I’ll provide examples of what to provide and more in this guide. So, keep reading.
What is the Stripe Chargeback Fee & Is it Reversible?
Stripe charges an irreversible $15 chargeback fee per dispute. Keep reading to learn why they charge this fee and how to prevent disputes.
Stripe Chargeback Policy for Merchants
This guide will simplify Stripe’s chargeback process and what to expect as a merchant. Keep reading to learn more.
How to Win Stripe Disputes As a Merchant
If you’re a customer, you won’t deal with chargebacks through Stripe. You’ll need to file these with your card issuer. We’ll explain how to improve your chances of winning disputes through Stripe. Keep reading to learn more.
Amazon Chargeback Guide for Merchants in 2024
This guide will simplify Amazon’s various chargeback dispute processes for merchants. Keep reading to learn more.
Apple Pay Dispute & Chargeback Guide for Merchants in 2024
This guide will explain the chargeback process for transactions done through Apple Pay. Keep reading to learn more.
Wells Fargo Chargeback Guide for Merchants in 2024
This guide will simplify the chargeback process with Wells Fargo as the issuer and acquirer. Read on to learn more.
Venmo Dispute & Chargeback Guide for Merchants in 2024
This guide will simplify Venmo’s dispute resolution process and chargebacks. Keep reading to learn more.
Cash App Dispute & Chargeback Guide for Merchants (2024)
This guide simplifies how Cash App’s dispute and chargeback processes work. Keep reading to learn more.
Zelle Chargeback Guide for Merchants in 2024
If you’re a business that isn’t doing small transactions face-to-face, you should avoid Zelle. As they offer no merchant protections. There aren’t many areas where customers can file chargebacks, though. I’ll explain why this is in this piece.
Chase Chargeback Guide for Merchants in 2024
This guide provides all the information you need to deal with chargebacks with Chase (JPMorgan). Keep reading to learn more.
25+ Stripe Statistics You Need To Know in 2024
This guide will provide statistics related to Stripe in various areas. Keep reading to learn whether it’s a worthy payment processor to use.
23+ Shopify Statistics You Need To Know in 2024
This piece is an overview of many statistics for Shopify. Read on to learn how Shopify has helped (or held back) businesses.
23+ Chargeback Statistics Every Merchant Should Know for 2025
This guide gives an overview of chargeback statistics across different categories. Keep reading to see how these disputes impact businesses.
American Express Chargeback Reason Codes
This guide simplifies American Express dispute and chargeback reason codes. It provides the knowledge to understand, prevent, and dispute them effectively. Read on to learn more.
American Express Chargeback Guide for Merchants
Explore this guide that simplifies American Express’s chargeback and dispute processes. Keep reading to find various time limits, reason codes, and other critical information.
How to Win an American Express Dispute
The key to winning a dispute as a customer and a merchant is to adhere to timeframes and submit convincing evidence. However, there’s more to know about Amex’s dispute process. Keep reading to learn more.
PayPal Chargeback Guide for Merchants for 2024
This guide explains PayPal's chargeback process for merchants. We'll cover what chargebacks are, how they work on PayPal, and how you can avoid them. Keep reading to learn more.
How to Chargeback on PayPal Explained
You will need to do chargebacks separately from PayPal with your bank or credit card processor. I’ll explain how to do chargebacks, or how to do a dispute or claim on PayPal. Read more to deal with an unfair transaction.
PayPal Refund Scams: How to Deal With & Avoid Them
PayPal refund scams are when a “customer” will overpay for a transaction, request a refund, and get free money through a different account. Because this is typically done with stolen payment information.
Does PayPal Have Buyer Protection?
Yes, PayPal has Buyer Protection that offers full refunds on purchases up to $20,000. To receive the refund, you must prove that the seller didn’t send you the product or that it wasn’t as described. You must also go through the dispute process. We’ll cover how.
The Pros & Cons of Using PayPal for Your Small Business
We’ll cover the pros and cons of using PayPal for your small business. Keep reading to learn more.
PayPal Chargeback Time Limits Guide
Customers typically have 120 days to file chargebacks outside of PayPal and 180 days to file disputes (in PayPal). Sellers have around 20 days to respond to chargebacks and disputes. There’s a caveat, though. Keep reading to learn more.
What Is PayPal Chargeback Protection?
PayPal’s Chargeback Protection program waives chargeback fees from certain chargebacks. These include unauthorized transactions or when the customer doesn’t receive an item. Keep reading to learn whether it’s worth getting.
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How to Prevent PayPal Chargebacks (As a Merchant)
Fraud prevention and transparency about products are the best ways to prevent chargebacks. Keep reading to find more ways to prevent chargebacks, claims, and disputes.
How to Do a Chargeback as a Customer
Explore this guide to learn how to initiate a chargeback or dispute with various payment processors, card networks, and banks.
Mastercard Chargeback & Dispute Merchant Guide
Explore this guide that simplifies the complex Mastercard chargeback process. Keep reading to find various time limits, reason codes, and other critical information.
History of Chargebacks From 300 BC to 2024
This guide will cover the history of fraudulent transactions, chargebacks, and fraud prevention technology. Keep reading to learn more.
Mastercard Chargeback Reason Codes: The Ultimate Merchant's Guide
This comprehensive guide decodes Mastercard chargeback reason codes. Learn how to understand these codes, prevent related chargebacks, and gather evidence for successful disputes.
Visa Chargeback Guide for Merchants For 2024
This guide will cover everything sellers need to know about dealing with chargebacks from Visa. Read on to learn more.
A Merchant’s Guide to Visa Resolve Online
Visa Resolve Online is a platform used during disputes that allows merchants and cardholders to submit all relevant information and evidence to the acquirers and issuers. Read on to learn more.
Visa Chargeback Reason Codes: The Ultimate Merchant's Guide
This guide provides an overview of every current (and legacy) Visa chargeback reason code. Keep reading to learn about these codes, how to prevent chargebacks caused by them, and what evidence you’ll need for disputes.
How Long Does a Chargeback Take?
The chargeback process, or disputes, typically takes 75 to 120 days. This number relies on multiple variables. Keep reading to find the variables that influence the length of a chargeback.
Discover Chargeback Reason Codes: The Ultimate Merchant's Guide
This guide provides an overview of every Discover chargeback reason code. Keep reading to learn about these codes, how to prevent chargebacks caused by them, and what evidence you’ll need for disputes.
Average E-Commerce Chargeback Rate - Benchmarks & What’s Normal
The average chargeback rate across all industries is 0.60%. To avoid penalties, don’t chargeback rates of 0.9% (for Visa) and 1.5% for other card networks. Keep reading for more vital information.
Discover Chargeback & Dispute Guide for Merchants for 2024
This guide will cover everything you (a merchant) need to know about dealing with chargebacks from Discover. Read on to prepare yourself.
Step-By-Step Guide To How to Dispute a Chargeback as a Merchant
To dispute a chargeback as a merchant, you’ll need to gather evidence, write a rebuttal letter, and then submit it to your bank. From there, wait for a decision. Keep reading to find more information to increase your chances of winning a dispute.
What is True Fraud? Explained For Beginners
True fraud involves using stolen payment data, which can lead to chargebacks when the rightful owner disputes the charges. To combat this, implement security measures like address verification and educate customers on protecting their information. Read on to learn more.
The Difference Between Refund & Reversal Transaction Explained
Refunds are a reversal type that happens after a transaction. There are also chargebacks and authorization reversals. A chargeback is customer-initiated, occurs after a transaction, and greatly costs sellers. An authorized reversal cancels a payment before it happens. Keep reading to learn more.
Ultimate Guide To Choosing The Right E-commerce Chargeback Protection
Chargeback protection helps businesses fight fraudulent transactions and manage disputes. When shopping for protection, consider integration with your systems, fraud detection capabilities, and cost-effectiveness. Keep reading to learn how to find the best software.
What Is Friendly Fraud Chargeback? Explained For Beginners
Friendly fraud occurs when a customer gets their money back for a real purchase they made, often due to confusion or wanting to avoid returns. Prevent this with clear communication and good customer service. Read on to learn more about detection and prevention.
Friendly Fraud vs. Chargeback Fraud vs. True Fraud Compared
Friendly fraud means a cardholder disputes a purchase they actually made. Chargeback fraud includes friendly fraud, plus lying about purchase details. True fraud happens when stolen card information is used without authorization. Keep reading to learn more.
