You just got a chargeback notification. The customer says they never received the order — but tracking shows delivered. You have 30 days to respond, and if you don't submit the right evidence in the right format, you lose the money automatically. This is the $40 billion problem. Chargebacks cost merchants over $40B every year, and sellers only win about 20% of disputes — not because they're wrong, but because evidence gathering is manual, deadlines are tight, and every card network has different rules. ChargebackShield changes the math. ## What's included - **Dispute classifier** by card network + reason code — knows what evidence wins for Visa 10.4, Mastercard 4837, Amex F30, etc. - **Auto-compiles transaction evidence** — order details, AVS/CVV results, shipping tracking, delivery confirmation, customer communications - **Compelling dispute responses** tailored to the exact reason code, with numbered evidence exhibits - **Deadline tracker** across Visa (30 days), Mastercard (45 days), Amex (20 days) — you tell it the notification date and it calculates the countdown - **Visa Compelling Evidence 3.0 detector** — flags opportunities for the highest win-rate strategy (~85% when qualifying data exists) - **Chargeback ratio monitor** — you paste in your dispute counts and volume; the agent calculates your ratio and flags proximity to Visa's 0.65% threshold (which means fines, rate increases, or the MATCH list) - **Friendly-fraud pattern detection** — delivery confirmed but customer claims not received, serial disputants, end-of-return-window filings - **Win/loss analytics** — your 100th dispute response is dramatically better than your 1st because each one trains the pattern library - **Fight-or-accept calculator** — tells you which chargebacks aren't worth fighting (sub-$50 disputes with weak evidence often aren't) ## Limitations - **Doesn't directly call processor APIs** — you copy the response into your Stripe / PayPal / Shopify dispute portal - **Evidence is only as good as your source data** — if your shipping carrier doesn't return delivery photos, the agent can't fabricate them - **Not a fraud-prevention tool** for pre-authorization (use Sift, Signifyd, Riskified for that) — this fights chargebacks AFTER they happen - **Visa Compelling Evidence 3.0 detection requires the supporting data** (matched IP, device, address across multiple successful transactions) — the agent can identify opportunities but you provide the data ## Works with Shopify, WooCommerce, BigCommerce, Amazon (A-to-Z claims), eBay, Etsy, Stripe, PayPal, Square, and any payment processor that issues dispute notifications. ## The math Average e-commerce chargeback is $75-150. If your current win rate is 20% and ChargebackShield improves it to 50%, that's 3-7 additional wins per month on typical dispute volumes. At $100 average, that's $300-700/month in recovered revenue — 10-24× the subscription cost. ## Best fit E-commerce sellers losing more than 3 chargebacks/month who currently fight them with copy-pasted templates (or worse, don't fight at all). Especially good for sellers near Visa's 0.65% ratio threshold who need both better win rates AND ratio control.
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