Chargeback Expertz RESOLVE
For Sellers
About Chargebackexpertz
- Founded in 2015
- Offices in Los Angeles, San Diego, Las Vegas,Bostoton,Toronto, and London
- 220+ Global Employees
- 27,000 Seller Accounts
- PCI Level 1 Certified, SOC 2 SSAE 16, GDPR Compliant
Chargeback Expertz Total Dispute Management
Chargeback Expertz solution suite provides protection from fraud and disputes, enabling sellers to increase profits and provide a better customer experience.
Dispute Prevention
Order Insight®
Dispute Resolution
Rapid Dispute Resolution
Notifications
Fraud Notice Dispute Notice
Dispute Representment
Dispute Representment
The Problem
- No chance for sellers to resolve disputes directly with customers
- Lack of control or decisioning to avoid disputes
Results In
- Lack of control or decisioning to avoid disputes
- Increased operational expenses and acquirer fees
- Risk of losing processing privileges
- Increased costs and resources on dispute review and management
76%
Bypass the Merchantwith a Dispute
The Solution
Rapid Dispute Resolution
(Available April 2020)
Our global data-sharing network provides sellers with Visa and Non-Visa cases for pre-dispute resolution
- Resolve fraud and non-fraud at pre-dispute stage before a formal dispute is escalated
- Auto-decision Visa pre-dispute using a robust decision engine customized by seller for real-time resolution
- Resolve non-Visa pre-disputes within 72 hours by sellerinitiated refund
- Reduce dispute monitoring ratios with pre-dispute resolution
How Rapid Dispute Resolution Works
Benefits of Rapid Dispute Resolution
Resolve Visa Disputes
Resolve Visa disputes automatically through Chargeback expertz decision engine
Resolve Non-Visa Disputes
Receive notifications of Non-Visa disputes in near real-time
Avoid Dispute Monitoring Programs
Prevent filing of pending disputes through prompt resolution to protect seller account
Visa Disputes: Auto-decisioning for Rapid Resolution
Visa disputes resolved automatically
- Resolve disputes automatically via a robust decision engine with rules set by seller
- Reduce review and refund strain on operational resources
- Avoid disputes filed in error, such as 3DS issuer liability, past time frame, etc.
- Improve customer experience with automatic refund
Customizable Rule Options
- Dollar Threshold
- Dispute Category
- Issuer BIN
Non-Visa Disputes: Paused for 72 Hours for Rapid Resolution by the Seller
Sellers receive near real-time notification of disputes directly from issuing banks
- Receive direct delivery through our closed-loop network
- Stop future disputes on recurring transactions
- Avoid costly fees, fines, penalties and potential loss of processing privileges
Avoid Dispute Monitoring Programs
Protects sellers from being subject to dispute monitoring programs
Sellers are notified of pending Visa disputes, which are
rapidly resolved by auto-decisioning, as well as Non-Visa
disputes which are resolved by seller response.
- Protect seller account – resolved pre-dispute cases do not count against your dispute monitoring ratios
- Reduce operational costs and resource drain
Implementation Options
Self-Service
- Receive direct delivery through our closed-loop network
- Stop future disputes on recurring transactions
- Avoid costly fees, fines, penalties and potential loss of processing privileges
Self-Service
- Receive direct delivery through our closed-loop network
- Stop future disputes on recurring transactions
- Avoid costly fees, fines, penalties and potential loss of processing privileges
Self-Service
- Receive direct delivery through our closed-loop network
- Stop future disputes on recurring transactions
- Avoid costly fees, fines, penalties and potential loss of processing privileges
Non-Visa Disputes: Paused for 72 Hours for Rapid Resolution by the Seller
RESOLVE Disputes
- Identify risk and quickly resolve disputes
- Reduce false positives – stop over-refunding
- Prevent future disputes on recurring payments and subscription billing
- Multiple card-brand dispute resolution
- Provide best customer experience and reinforce brand value
- Reduce operational costs and increase profits with automated Rapid Dispute Resolution
Global Dispute Prevention
Expanded Global Network Coverage with Chargeback expertz and Visa Issuers
INFORM - Notifications
Sellers can leverage direct delivery of fraud and dispute notifications to reduce payment risk
Receive all Visa
confirmed fraud
notifications (TC40)
from a single
integration
Receive all Visa
confirmed fraud
notifications (TC40)
from a single
integration
Receive all Visa fraud
and non-fraud
disputes from a single
integration
Identify operational
and service changes to
improve customer
experience
BENEFITS
- Improve link analysis and fraud analytics
- Enhance fraud detection, modeling, and manual review
- Use fraud data to track trending fraud rate
Rapid Dispute Resolution
| Frequently Asked Questions | Visa Disputes | Non-Visa Disputes |
|---|---|---|
| How long does seller have to resolve? | Auto-decision resolution in real-time | 72 hours |
| How does seller return funds? | Acquirer credits issuer for dispute – no seller action required | Seller-initiated credit |
| Does the resolved dispute count against the seller’s dispute ratios? | No | No |
| Which issuers participate? | Launching April 2020 on issuer’s Visa platform. Available globally. | Over 60% of issuers in US. Limited coverage outside of US |
| False positive risks? | No, if not resolved as per seller rules in rules engine, Visa proceeds with processing dispute | Low risk |
| Risk of a Chargeback expertz being filed against a transaction resolved with Seller Review? | No, Visa ensures issuer cannot file dispute against an Auto-Decision resolved transaction | Mitigated by Chargeback expertz zero defect guarantee |