PREMIUM MEMBERS

Premium Resources

Advanced case studies, expert analysis, and exclusive content

Reason Code Guides
Industry Reports
Case Studies
Platform Guides

Latest Updates

New This Month
Intelligence Brief · April 2026

Monthly Intelligence Brief — April 2026

VAMP Excessive threshold drops to 1.5% today. Visa CE 3.0 updated requirements hit April 17. Mastercard Scam Merchant Monitoring launches July 24. Action items for this week.

VAMP 1.5% CE 3.0 MC Scam Monitoring
Read April Brief →
New Case Study
Case Study · WON · March 2026

Subscription Win: $450 Cancelled Recurring Billing

SaaS company defeats a “cancelled recurring” claim using renewal notification email + 2 weeks of post-billing usage logs. Visa 13.2.

Visa 13.2 SaaS $450
Read Case Study →
New Guide
Implementation Guide · April 2026

Ethoca Consumer Clarity — Implementation Guide

Step-by-step enrollment, data field requirements, integration paths, VAMP ratio impact modeling, and how to build a full-coverage enrichment stack.

Ethoca Cross-Network VAMP
Read Guide →
Recently Updated
Available

Item Not Received

Defense strategies when customers claim non-delivery. Shipping documentation, carrier tracking, and proof of delivery requirements across all four networks.

Read Full Guide →
Available

Service Not Received

When customers claim a service was never provided. How to document performance of work and expected timeframes.

Read Full Guide →
Available

Item Incorrect or Misrepresented

Disputes claiming products don't match descriptions. Evidence requirements, product listing documentation, and response frameworks.

Read Full Guide →
Available

Service Incorrect or Misrepresented

When customers claim a service didn't match what was advertised. How to document terms were disclosed and service was delivered as described.

Read Full Guide →
Available

Returned Merchandise & Credit Not Processed

Why the burden of proof on returns mirrors non-receipt claims — and how to use it. Return policy documentation, receiving records, and the evidence framework that wins these disputes.

Read Full Guide →
Available

Service Cancelled

Subscription cancellations and service termination disputes. Proving valid recurring consent and exact cancellation timelines across all four major networks.

Read Full Guide →
Coming Soon

Incorrect Amount or Currency

When cardholders dispute the charged amount or currency conversion. How to document pricing agreements and authorization records.

Coming Soon

Duplicate Payment

Disputes claiming the same transaction was charged more than once. Proving distinct charges were for separate orders or billing periods.

Coming Soon

Missing Authorization

Disputes with issuers regarding the authorization obtained. How to document authorization approval codes and address when final amounts change.

Available Free with Account

Fraud — Card Not Present

The most common e-commerce chargeback. How to demonstrate the legitimate cardholder authorized the transaction using IP, device, and behavioral data — across all four networks.

Read Full Guide →
Coming Soon

Fraud — Card Present

In-person fraud disputes involving chip, swipe, or contactless payments. Terminal data, signature verification, and EMV evidence requirements.

New

Monthly Intelligence Brief — April 2026

VAMP Excessive threshold drops to 1.5%. Visa CE 3.0 updated requirements April 17. Mastercard Scam Merchant Monitoring launches July 24. Immediate action items.

Read April Brief →

Monthly Intelligence Brief — March 2026

Visa VAMP launch, Mastercard Q1 updates, EMV enforcement trends, friendly fraud growth, and April deadlines.

Read March Brief →
New

2026 Issuer Chargeback Scorecard: Which Banks Side With Merchants?

Original research analyzing 8,044 CFPB complaints across 13 major credit card issuers, ranked by merchant-friendliness. USAA leads at 87.9% no-relief; TD Bank at 45.5%.

CFPB Data 13 Issuers
View Scorecard →
New

Ethoca Consumer Clarity — Implementation Guide

Step-by-step enrollment, data field requirements, direct API vs. facilitator integration, VAMP ratio impact modeling, and building a full enrichment stack with Verifi Order Insight. Free for merchants.

Cross-Network All Verticals
Read Guide →
Coming Soon

Verifi Order Insight — Implementation Guide

Visa’s transaction enrichment platform. How to enroll, data requirements, and how to pair with Consumer Clarity for full network coverage.

WON

E-commerce Fraud: $2,400 Digital Goods

How a software company won a "not authorized" dispute with IP matching and usage logs.

Visa 10.4 Digital/SaaS
Read Full Case Study →
WON

Subscription Cancellation: $890 SaaS

Defeating a "cancelled recurring" claim with proper terms documentation.

Mastercard 4841 SaaS
Read Full Case Study →
WON

Item Not Received: $1,250 Electronics

Signature confirmation and GPS delivery proof in action.

Visa 13.1 E-commerce
Read Full Case Study →
LOST

Analysis: Why This Response Failed

Breaking down a losing response to identify the critical mistakes made.

Amex F29 Travel
Read Full Analysis →
WON

Friendly Fraud: $3,100 Luxury Goods

Customer claimed fraud after receiving goods. Delivery photos saved the day.

Visa 10.4 Retail
Read Full Case Study →
WON

Double Billing: $450 Subscription

Proving two charges were for two distinct billing periods.

Mastercard 4834 Subscription
Read Full Case Study →
WON

Subscription Win: $450 Cancelled Recurring Billing

Renewal notification email + post-billing usage logs defeat a Visa 13.2 “cancelled recurring” claim.

Visa 13.2 SaaS
Read Full Case Study →
Available

Winning Chargebacks on Shopify

How Shopify's dispute system works, evidence formatting for its file limits, category-to-reason-code mapping, and platform-specific response frameworks.

Read Full Guide →
Premium

Winning Chargebacks on WooCommerce

WooPayments dispute system, multi-gateway complexity, evidence matrix by dispute type, Visa Compliance $500 fee risk, and response frameworks within WooCommerce's constraints.

Read Full Guide →
Premium

Winning Chargebacks on BigCommerce

Gateway-dependent dispute strategy, fee comparison across Stripe/PayPal/Braintree/Square, Braintree's 3-stage process, and universal response frameworks for every major payment gateway.

Read Full Guide →
Premium

Winning Chargebacks with Stripe

Stripe's 2025 two-tier fee model, Smart Disputes vs. manual submission strategy, 20+ structured evidence fields, Early Fraud Warnings, and Visa CE3.0 support.

Read Full Guide →
Premium

Winning Chargebacks with PayPal

PayPal's dual dispute system (internal claims vs. card chargebacks), the 2024 Seller Protection gap for INR chargebacks, appeal process, and Resolution Center strategy.

Read Full Guide →
Premium

Winning Chargebacks with Square

Square's $0-fee, no-arbitration model, 7-day response window, in-person transaction evidence advantages, black-and-white formatting rules, and Disputes Team strategy.

Read Full Guide →

Your Subscription Pays for Itself

Win just one additional dispute per month and your subscription pays for itself. The average chargeback costs merchants $190 in lost revenue plus fees. Our defense guides have helped merchants achieve win rates 35–45% higher than the industry average of 12%.

Without WinningChargebacks
~12%
Industry avg win rate
With Premium
With WinningChargebacks
45–55%
Reported win rate

Breakeven at 1 Dispute/Month

Avg. chargeback value recovered ~$190
Premium subscription cost $99/mo
Net gain per won dispute +$91/mo

Win just 1 additional dispute per month to break even.

Choose Your Plan

Monthly Annual Save 20%

Free

$0

Forever free

  • ✓ Response Template Generator
  • ✓ FAQs & Knowledge Base
  • ✓ Discord Community Access
Sign Up Free
Full Access

Premium

$99/mo

Cancel anytime

  • ✓ All Reason Code Defense Guides
  • ✓ Evidence checklists & response frameworks
  • ✓ Real case examples & case studies
  • ✓ Premium deep dives on trends & tech
  • ✓ Early insights on network rule changes
Subscribe Now

30-day money-back guarantee — try it completely risk-free