Most guides teach you how to fight chargebacks. We help you avoid them. Connect to issuers, deliver enhanced transaction detail to cardholders at the point of inquiry, resolve fraud and non-fraud disputes before they become chargebacks, and recover the revenue that would otherwise be lost. One platform, three layers of protection.
A complete post-purchase programme that stops disputes before they become chargebacks, wins the ones that file, and feeds the fraud data back to you.
When a customer questions a charge, their issuer and the cardholder see your enhanced transaction and order detail in real time, at the point of inquiry, clarifying confusion before it escalates.
Resolve fraud and non-fraud disputes before they cross into a formal chargeback. RDR auto-decisions Visa pre-disputes in about one second using your rules; CDRN gives a 72-hour window for a merchant-initiated refund.
If a dispute files anyway, a specialist team builds and submits compelling-evidence cases on your behalf, using the purchase, delivery and authentication data already captured in CX Pay.
Receive Visa confirmed-fraud (TC40) and dispute notifications directly from a single source, post-authorization, so you can stop repeat losses and sharpen your fraud models.
Proven results across the post-purchase network, FY2023. Figures reflect network performance, not a guarantee for any individual merchant.
One enrollment covers every card brand: Visa through Rapid Dispute Resolution, and Mastercard, American Express and Discover through CDRN.
We manage enrollment, rule configuration, alert handling and reporting. You set the rules once and the system runs itself.
Visa via Rapid Dispute Resolution, plus Mastercard, American Express and Discover via CDRN. One enrollment, all your card transactions protected.
Start via the web portal with no development work. Advanced gateway API integration is available when you want full automation.
Each month you get a clear report: prevented chargebacks, estimated savings, your dispute ratio and fraud-trend data.
Transparent pricing, you only pay when a dispute resolves. Ask about our introductory offer →
of merchants believe transaction confusion is the driving cause of first-party misuse, customers disputing legitimate charges because they do not recognise them on their statement. Enhanced transaction detail at the moment of inquiry resolves most of these instantly.
Issuers and cardholders access detailed purchase information from sellers via a global data-sharing network, so the right data is in the right place at the right moment, before a dispute fires.
What merchants typically see in the first 90 days after activating CX Pay's dispute management layer.
Every CX Pay transaction is captured with the supporting data needed for compelling evidence: 3DS authentication, IP and device fingerprint, billing and shipping address match, prior successful charges from the same card, and delivery confirmation where applicable.
Our specialists assemble that evidence into the right format for the right card network, then submit on your behalf inside the deadline. You do not write a single line of dispute response.
No. Dispute management activates automatically on every CX Pay transaction. The enhanced detail, the issuer network, and the evidence assembly are on by default.
Visa, Mastercard, American Express, Discover, and Diners Club for the pre-dispute resolution layer. Visa and Mastercard for the issuer data network specifically.
A pre-dispute alert reaches you before the chargeback files. You can refund the customer, the dispute never enters the formal flow, and the transaction never counts against your dispute ratio.
Yes. In fact recurring charges benefit the most. Customers often forget about a monthly charge, see it on their statement, and dispute it. Enhanced detail tells them immediately what it is.
Yes. Pre-dispute resolutions are accepted by Visa and Mastercard as a way to keep your ratio under the monitoring thresholds.
No. If we successfully defend a chargeback for you, there is no additional fee beyond your normal CX Pay rate. You only pay if we win.
Dispute management is included on every CX Pay account. Talk to us about what your current chargeback ratio is and we will model the impact.