• Built for
  • Finance & Revenue Leadership
  • Fraud & Risk Teams
  • Chargeback & Dispute Teams
  • eCommerce & Digital Teams

The Impact of a Fragmented Chargeback Management Strategy

For many merchants, chargeback management creates significant revenue, efficiency, and scalability challenges. As dispute volumes rise and response requirements become more manual, teams often struggle to recover eligible revenue, respond quickly, and connect dispute activity to broader fraud and transaction patterns. Without a more streamlined approach, merchants may be forced to accept more disputes and absorb avoidable losses.

~75%

of consumers skip contacting the merchant and go right to their card issuer to dispute the transaction1

$128

average cost per chargeback — $46 in third-party fees and $82 in internal costs1

28%

friendly fraud percentage expected globally by 20312

$16B

value of transactions expected to be lost to friendly fraud by 20312

The cost compounds quietly — third-party and internal fees on every dispute, revenue accepted as a loss instead of recovered, and fraud and dispute teams stuck gathering evidence by hand with no shared view of the broader risk behind each chargeback.

Meet Chargeback Management

Recover Revenue on Disputes with the Right Management Tools

Accertify’s Chargeback Management helps you recover more revenue across dispute types, including friendly fraud and consumer disputes, while giving your team valuable time back. As a centralized integration hub, Accertify connects chargeback workflows across multiple processors, payment partners, and complex payment structures, helping teams manage dispute activity in one place.

Through actionable insights, automated dispute responses, processor integrations, and access to our Strategic Risk Services, you’ll be equipped to effectively handle chargeback disputes, without the hassle.

How It Works

From disputed transaction to
recovered revenue — in one
connected workflow.

STEP 1

Deflect

Minimize payment disputes occurring with dispute deflection, minimizing chargebacks that get created.

STEP 2

Build

Gather the documentation needed to fight chargebacks automatically using dispute templates, pre-populated notes, and 60+ processor integrations, while reducing manual effort for your team.

STEP 3

Analyze

Assess chargeback transaction and dispute data to identify patterns. When paired with Fraud Management, gain a more complete view of each customer and the broader risk signals behind every dispute.

STEP 4

Win

Recover revenue from eligible disputes by submitting stronger, well-documented responses with the right tools, resources, and support in place.

Recover Lost Revenue

Generate representment documentation and apply network-specific response rules to help with dispute resolution and improve win rate.

Gain Actionable Insights

Transform dispute data into actionable insights and connect with Accertify’s Fraud Management for a more complete view of every customer.

Reclaim Time with Automation

Reduce manual effort with automated dispute responses, direct processor integrations, and strategic support to help manage chargeback strategy and execution.

$500M+

recovered on 13.2 million chargebacks processed3

Accertify’s chargeback platform streamlines how teams manage, fight, and learn from chargebacks. By connecting dispute outcomes to broader fraud, order, processor, and transaction data, merchants gain clearer dispute management tools like visibility into performance, root causes, and recovery opportunities.

Capability Highlights

Everything a chargeback and
dispute team needs, in
one workspace.

Capability Description Details
Configurable Views Keep metrics that matter most, like case counts, win rates, and queue activity, at the top of view. Track win rates, case counts, and queue activity across a platform that has processed 13.2 million chargebacks (Accertify Client Data, 2024-2025). Clients averaged a >40% win rate on represented chargebacks (Accertify Client Data, 2025).
Evidence Collection & Case Building Automatically create responses based on available data such as transaction, customer shipment, and fraud decision data, reducing manual documentation upload. Clients averaged a >40% win rate on represented chargebacks (Accertify Client Data, 2025). One airline client turned a manual, fragmented process into a 72% win rate by count and value (Accertify Client Data, 2024).
Third-Party Integrations Streamline dispute workflows with integrations across 60+ processors and our retail shipping partner, giving teams faster access to the details they need. Average implementation time of ~6 weeks for API-based processors and ~12 weeks for SFTP-based processors (Accertify Implementation Data).
Pre-Populated Defense Automate response notes based on client-configured decisioning for consistency in your process. 80% of clients achieved a <0.25% fraud chargeback rate ($) (Accertify Client Data, 2024-2025).
Strategic Risk Services Support Leverage Accertify’s services for full or partial support with chargeback strategy, execution, and day-to-day operations. Chargeback Management has been live since 2011, with 13.2 million chargebacks processed and over $500M recovered (Accertify Client Data, 2024-2025).
Historical Analysis View historical data to better understand fraud patterns such as friendly fraud, helping to determine whether to dispute. Friendly fraud is projected to make up 28% of chargebacks globally by 2031 (Juniper Research, 2026). Each chargeback costs merchants an average of $128: $46 in third-party fees and $82 in internal costs (Mastercard, 2026).

The Predictive Yes Platform

Built Into the Predictive Yes Platform

Chargeback Management doesn’t work alone. It’s one piece of Accertify’s Predictive Yes Platform, which joins identity, behavioral, and transaction signals across the entire customer lifecycle — from account creation through checkout and beyond. When Fraud Management and Chargeback Management work together, clean, automatically tagged fraud data helps strengthen chargeback responses, connect disputes to prior fraud decisions, and improve prevention strategies over time.

ACCOUNT LOGIN CHECKOUT POST-PURCHASE Account Protection Account Protection Fraud & Payments Chargeback Management

Explore the Platform

The rest of Accertify's fraud and risk
solutions.

Abuse Prevention

Stop returns abuse, refund fraud, and policy exploitation.

Fraud Detection

Real-time approve/decline decisions at checkout.

Account Protection

Stop account takeover, credential abuse, and loyalty fraud.

Payment Optimization

Tune conversion and approval rates on payments.

Frequently Asked Questions

Questions About Chargeback Management

Chargeback management is the strategy, tools, and processes merchants use to protect revenue, prevent avoidable disputes, and respond effectively when chargebacks occur. Accertify’s chargeback solution gives teams the platform, data, and support needed for chargeback protection and chargeback prevention, providing chargeback management for ecommerce merchants, as well as other merchant types. For merchants using both Accertify Fraud Management and Chargeback Management, clean fraud data can be automatically tagged and carried into chargeback workflows, helping teams build stronger cases and improve prevention strategies over time. With the option to leverage Accertify’s Strategic Risk Services team for full or partial support, merchants can streamline chargeback strategy, execution, and day-to-day operations while giving teams more time back.
Chargeback prevention best practices include having the right tools, data, and support to help stop avoidable disputes before they become chargebacks, while also giving teams the resources to respond effectively when disputes do occur. Accertify brings these elements together through a platform that supports chargeback and dispute management and offers Strategic Risk Services for full or partial support with chargeback strategy and day-to-day operations.
Friendly fraud, also referred to as first-party misuse, involves disputes on legitimate purchases, where the merchant must show that the transaction and fulfillment were valid. True fraud occurs when a transaction is made using stolen payment information, synthetic identities, phishing scams, and others. Accertify’s Chargeback Management supports both fraud-related dispute types by helping merchants strengthen representment responses, reduce manual effort, and recover eligible revenue. Working with Network tools like Ethoca Alerts and Verifi CDRN, Accertify works to help deflect the chargeback, helping protect your revenue.
When comparing chargeback representment software, merchants should look for more than case submission tools. The right solution should help teams recover revenue, reduce manual effort, connect dispute outcomes to broader fraud and order intelligence, and improve decision-making over time. Accertify’s Chargeback Management differentiates by pairing chargeback recovery with broader fraud and dispute intelligence, giving merchants a more connected view of the full transaction lifecycle. When used with Accertify’s Fraud Management solution, fraud data can feed directly into chargeback workflows, creating a feedback loop that helps teams fight disputes with stronger context. Accertify also brings the advantage of processor connectivity, configurable workflows, evidence collection, and optional Strategic Risk Services support to help merchants manage, fight, and learn from chargebacks at scale.
Accertify differentiates by pairing chargeback recovery with broader fraud and dispute intelligence, giving merchants a more connected view of the full transaction lifecycle. With the use of Accertify’s Fraud Management solution, there is a feedback loop, making fraud data seamlessly support fighting disputes. Accertify brings proven chargeback scale, processor connectivity, configurable workflows, and optional Strategic Risk Services support to help merchants recover revenue, reduce manual effort, and connect disputes back to fraud decisions.
Accertify differentiates with proven chargeback results at global scale, helping merchants recover revenue, reduce fraud chargeback exposure, and lower the operational effort required to manage disputes. Accertify has processed 13.2 million chargebacks and recovered more than $500M, with clients averaging greater than 40% win rate on represented chargebacks. Accertify supports merchants with 60+ processor integrations, configurable workflows, evidence collection, and optional Strategic Risk Services support, giving teams a scalable way to manage processor-specific requirements across markets. While Chargebacks 911 focuses on being a point solution, Accertify’s ability to see the end-to-end process is what sets us apart. For merchants that also use Accertify’s Fraud Management, transaction data can be used within chargeback workflows to help establish stronger supporting documentation and improve how teams manage, fight, and learn from disputes over time.
Accertify differentiates with proven credibility, global scale, and measurable chargeback outcomes built over more than a decade in market. Accertify has processed +13.2 million chargebacks and recovered more than $500M, with clients averaging more than 40% win rate on represented chargebacks. Accertify supports merchants with 60+ processor integrations, configurable workflows, evidence collection, and optional Strategic Risk Services support, helping global teams manage processor-specific requirements at scale. For merchants that also use Accertify’s Fraud Management, transaction data can be used within chargeback workflows to help establish stronger supporting documentation, improve representment quality, and connect dispute outcomes back into prevention strategies over time.
Accertify differentiates with proven credibility and a long track record in chargeback management, with the solution live since 2011. Accertify leads with demonstrated outcomes, global scale, and the strength of its connected fraud and dispute ecosystem. Accertify has processed recovered more than $500M, giving merchants confidence in a proven platform built to manage chargeback complexity at scale. For merchants that also use Accertify’s Fraud Management, transaction data can be used within chargeback workflows to help establish stronger supporting documentation, improve representment quality, and connect dispute outcomes back into prevention strategies over time.
Accertify differentiates with a long track record, proven chargeback expertise, and a connected fraud and dispute ecosystem that helps merchants manage disputes with greater context. Accertify leads with credibility, global scale, and demonstrated outcomes built over more than a decade in market. Accertify has processed 13.2 million chargebacks and recovered more than $500M, with clients averaging greater than 40% win rate on represented chargebacks. Accertify also supports merchants with 60+ processor integrations, configurable workflows, evidence collection, and optional Strategic Risk Services support, giving teams access to both technology and experienced chargeback support. For merchants that also use Accertify’s Fraud Management, transaction data can be used within chargeback workflows to help establish stronger supporting documentation, improve representment quality, and connect dispute insights back into prevention strategies over time.
Chargeback Management can be purchased as a standalone solution. For merchants looking to optimize outcomes further, it can also be used with Accertify’s Fraud Management solution to connect chargeback activity with broader fraud, order, and transaction data for a more complete view of risk and recovery opportunities.

Sources: 1. Mastercard. 2. Juniper Research. 3. Accertify client data.

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