Chargeback management software and tools that keep disputes under control

Why spreadsheets and processor dashboards stop working

A single dispute looks easy to handle. You open the processor dashboard, read the reason, upload a receipt and move on. The trouble starts when disputes arrive every week across more than one account, each with its own due date and its own rules about what evidence counts.

Miss a deadline and the dispute is lost by default. Upload the wrong proof for the reason code and the issuer rejects it. Let the monthly count creep up and your acquirer may put the account into a monitoring program, raise your reserve or close the account.

Each lost dispute costs more than the order. You lose the sale amount, the goods or service you already delivered, and a dispute fee that is typically 15 to 100 USD per dispute depending on your processor.

• Due dates spread across several dashboards
• Evidence rules that change by reason code and network
• No early warning before a ratio problem becomes an account problem
• Hours of copy and paste for each response

What chargeback management tools should do for you

Good chargeback management tools cover the full life of a dispute, from the first warning to the final outcome. NoChargeback is built around five jobs.

Before you submit, the app shows a win chance for the pack, so you can decide where to spend time. No tool can guarantee a won dispute, because the issuing bank makes the final call. What we do is build the strongest pack your data allows.

How the chargeback management system works

Setup takes a few minutes and needs no code on your store.

• Connect Stripe with OAuth or a restricted API key. Shopify, PayPal and Braintree connect on Growth. Checkout.com, Adyen and Authorize.net connect on Scale.
• NoChargeback reads past and new disputes, inquiries and early fraud warnings and keeps them in sync.
• Each new dispute gets an evidence pack and a draft letter matched to its reason code.
• You review, edit and submit. On Growth and higher, packs are submitted automatically 48 hours before the due date.
• Outcomes flow back in, so win rate and reason code reports stay current.

Our access is limited to reading data and adding dispute evidence. We never create refunds, charges or payouts on your account. You can read the details on the chargeback software security page.

Chargeback management solutions for each stage of a business

A small Stripe store and an operator with dozens of merchant accounts need the same core features at a different volume. Every plan includes the dispute feed, evidence packs, letters by reason code, the ratio monitor and analytics.

Growth adds automatic submission, prevention rules, Slack alerts and 3 team seats. Scale adds network alerts such as Ethoca, Verifi CDRN and Visa RDR, Order Insight and Compelling Evidence 3.0 data, a multi account dashboard, API access and 10 seats. Enterprise adds SSO, an audit log and an uptime SLA. Paying yearly saves 50 percent.

Chargeback software with a flat price

Many chargeback services charge a share of every dispute they win, or a fee for each alert. That means your cost grows when your problem grows. NoChargeback is a flat subscription. There is no per alert fee and no percentage of recovered money. If a pack wins, the full amount stays with you.

Limits count usage in each billing period. You see a usage meter in the app and an upgrade prompt when you reach 80 percent of a limit, so nothing stops working by surprise.

If you are weighing a managed service or a per alert vendor, the side by side pages for the Chargebacks911 alternative, the Chargeflow alternative, the Justt alternative, the Chargeback Gurus alternative and the Chargeblast alternative run the same volume through each pricing model.

Prevention and representment in one place

Fighting disputes is only half the job. The other half is stopping them before they are filed. NoChargeback connects both sides.

• Chargeback alerts flag early fraud warnings and inquiries so you can act before a case counts against you.
• Dispute automation builds and submits the evidence for the cases that do arrive.
• The chargeback ratio monitor shows how close each account is to network thresholds.
• Prevention rules suggest 3DS triggers, Radar style rules, velocity limits and refund before dispute when a refund is cheaper than a likely loss.

Any automatic refund or decline rule is set by you, is opt in and stays off by default.