Chargeback Intelligence

Chargeback Analysis

Identify root causes of disputes with clear analytics and actionable insights.

Fraud Detection

Spot suspicious patterns early and stop fraud before it turns into chargebacks.

Recovery Optimization

Improve win rates with smarter evidence, automation, and performance tracking.

Why Chargeback Intelligence?

Chargebacks are more than a cost — they’re a signal.

Chargeback Intelligence was founded by a team based in Milton Keynes, UK, the largest UK-based centre for credit card payment support. Having worked extensively with Issuers, we reviewed chargeback cases and second presentment documentation on a daily basis.

What we saw was consistent and concerning: many merchants were losing disputes not because they were wrong, but because their defence was weak. Evidence was often incomplete, poorly structured, or failed to address the true reason for the chargeback.

That led us to ask a simple question: why are merchants losing chargebacks so easily?

Chargeback Intelligence was created to change that. We help businesses understand what truly leads to chargebacks, identify weaknesses in their processes, and turn disputes into intelligence — enabling better decisions, lower risk, and stronger payment performance.

For Merchants

We analyse your business model, transaction flows, and chargeback data to identify risks and opportunities. Our support includes advising on chargeback rights, exposure, and validating your terms and conditions against Visa and Mastercard scheme rules to strengthen your defence.

For Acquirers

We provide full-scale analysis of chargeback types, compliance cases, reason codes, and timeframes. Our services include dispute templates, case management workflows, reconciliation and money movement explanations, AI-powered monitoring of chargebacks and second presentments, merchant communication, risk analysis, and comprehensive staff training.

For Issuers

We coach issuer teams across all levels on the transaction and chargeback lifecycle, including Visa Resolve Online and Mastercom systems. Training covers reason codes, scheme standards, and best practices to ensure chargebacks are raised accurately and compliantly.

What Our Customers Say

Merchant

“We run a small garage specialising in car air-conditioning repairs. Chargebacks were hurting our cash flow and we didn’t understand why customers were disputing. Chargeback Intelligence analysed our cases, redesigned how we bill and present services, and helped us prevent disputes before they happen. Our revenue is now stable again.”

Acquirer

“As a bank in Georgia, our chargeback win rate was extremely low. The training from Chargeback Intelligence completely changed how our teams respond to disputes. We now understand reason codes, evidence and timeframes — and our win rate has increased significantly.”

Issuer

“We had no dedicated chargeback team and very limited knowledge of scheme rules. With coaching from Chargeback Intelligence, we now process Visa and Mastercard chargebacks correctly and efficiently. Our cardholders receive faster, better support and our operations are compliant.”