Chargebacks Cost You More Than Money
Every chargeback costs $20-100 in fees, lost merchandise, and staff time — plus threatens your ability to accept cards at all. PaySec's chargeback protection prevents disputes, manages responses, and recovers revenue.
Three Layers of Protection
Prevent disputes before they happen. Manage them when they occur. Recover revenue when you win.
Real-Time Alerts
Instant notifications when a chargeback is filed. Early alerts give you time to resolve disputes before they become chargebacks — through automatic refunds or direct customer contact.
Automated Representment
AI-assisted evidence compilation and response generation for chargeback disputes. Automated workflows collect transaction receipts, delivery confirmations, and customer communications.
Dispute Analytics
Identify patterns in chargebacks by reason code, product, customer segment, and transaction type. Data-driven insights help you prevent future disputes at the source.
Prevention Rules
Configurable velocity checks, transaction limits, and customer verification rules. Block high-risk transactions before they ship and become chargeback liabilities.
Ratio Management
Proactive monitoring of your chargeback-to-transaction ratio against Visa and Mastercard thresholds. Alerts trigger before you enter monitoring programs.
Rapid Resolution
Pre-dispute alerts from Verifi and Ethoca allow you to resolve issues before they escalate to formal chargebacks. Automatic refund rules keep your ratio clean.
How It Works
Four layers of defense that prevent, detect, respond to, and learn from chargebacks.
Prevention First
Pre-transaction fraud screening, velocity checks, and 3D Secure authentication block risky transactions before they become chargeback liabilities.
Early Alerts
When a customer initiates a dispute, pre-dispute alerts from Verifi and Ethoca notify you 24-48 hours before a formal chargeback. Resolve it with a refund and keep your ratio clean.
Automated Response
If a chargeback is filed, PaySec's representment engine compiles evidence (receipts, delivery confirmations, customer data) and generates a response ready for submission.
Analytics & Optimization
Dispute analytics identify patterns by reason code, product, and customer segment. Use insights to fix root causes and prevent future chargebacks.
Based on PaySec merchant data, Q1 2026. Individual results may vary.
“We were averaging 15 chargebacks a month and dangerously close to the Visa monitoring threshold. Within 60 days of switching to PaySec, pre-dispute alerts alone cut that to 4. The automated representment recovered over $8,000 in the first quarter.”
How PaySec Chargeback Protection Compares
| Feature | PaySec | Chargebacks911 | Basic Processor |
|---|---|---|---|
| Real-time chargeback alerts | |||
| Automated representment | |||
| Pre-dispute resolution (Verifi/Ethoca) | |||
| Dispute analytics dashboard | |||
| Ratio monitoring | |||
| Prevention rules engine | |||
| Included with processing | |||
| Dedicated dispute specialist |
Chargeback Protection FAQ
Related Resources
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