All chargebacks are problems for the merchant as they are guilty until proven otherwise! Any business with a merchant account will agree. Chargeback management is a serious issue for businesses, sapping precious time and resources from core business activities. Even worse, 40 percent of small businesses have no effective chargeback solution, possibly perplexed by time consuming best practices. Unfortunately, permissive resignation is somewhat irresponsible — merchant fraud is manifest with severe consequences.

The payment card infrastructure has made it easy for consumers to file transaction disputes, while merchants have been left with little more than a condescending pointing finger. Excessive chargebacks will cause a merchant to be labeled “high risk” which may result in higher chargeback and processing fees. Abnormal chargeback rates can cause termination of the merchant account, a devastating blow to any merchant. This is why each merchant-business interfaces directly with our experienced chargeback specialists and is supported by our fraud department. Merchant Chargeback Advocacy is highly effective and provides many beneficial services. The program lessens the burden of dispute resolution and related fraud perpetrated against small and medium size businesses.