Ecommerce fraud prevention software that learns from your own disputes

Why fraud tools for ecommerce miss the chargebacks that hurt most

Most stores already have a fraud screen at checkout. Stripe Radar, Shopify fraud analysis and processor risk scores block many stolen cards. Yet disputes still arrive, because the screen scores each order alone and does not learn from the disputes that reach your account weeks later.

A chargeback costs more than the order. You lose the goods or the service, pay a fee that is typically 15 to 100 USD per dispute depending on your processor, and add to your chargeback ratio. If the ratio climbs toward network limits such as Visa VAMP or the Mastercard Excessive Chargeback Merchant program, your acquirer can add fees or reserves. Thresholds vary by acquirer and change over time.

NoChargeback closes that loop. It reads every dispute, inquiry and early fraud warning, finds the patterns behind them, and turns those patterns into recommendations for your existing tools.

Payment fraud detection built on your dispute history

NoChargeback connects to Stripe by OAuth or a restricted key and to Shopify in a few clicks. PayPal and Braintree connect on Growth, and Checkout.com, Adyen and Authorize.net on Scale. Once connected, it reviews your history and keeps a real time feed of new cases.

• Early fraud warnings. Issuers send these when a cardholder reports fraud, often before any dispute. You see them in the same feed as disputes, with the order next to them.
• BIN patterns. Card ranges from one issuer or card type that dispute far more often than the rest of your traffic.
• Country patterns. A mismatch between card country, IP country and shipping country that shows up again and again in lost cases.
• Velocity. Many orders from one card, email, device or IP address in a short time, a common sign of card testing.
• Product patterns. Items or plans that draw more fraud claims than others, such as gift cards or high value digital goods.

Fraud rules you can copy into the tools you already use

On Growth and higher plans, NoChargeback suggests prevention rules from these patterns. Each suggestion shows what it would have caught in your own history, so you can judge the trade off between blocked fraud and lost good orders.

• 3DS triggers. Ask for 3D Secure on orders that match risky BINs, countries or amounts. A successful 3DS check usually shifts fraud liability to the issuer.
• Radar style rules. Plain rules such as "review if card country differs from IP country and amount is above 200 USD" that you can add to Stripe Radar or your own checkout.
• Velocity limits. Cap the number of attempts per card, email or IP address per hour.
• Refund before dispute. Flag early fraud warnings where a refund costs less than fighting.

Read how each rule type works on the chargeback prevention rules page.

When a refund is cheaper than a dispute

Fighting a dispute is not always the best choice. Here is the simple math NoChargeback uses for each early fraud warning.

Expected cost to fight is the fee plus the order value times the chance of losing. In the first row, the refund is cheaper and also keeps the case out of your dispute count. In the second row, fighting with a strong evidence pack is the better bet. Some processors return the fee when you win, so treat the numbers as a guide.

A refunded payment cannot turn into a chargeback. Fraud reports filed by the issuer may still count in some network programs, so check with your acquirer how your ratio is measured.

When a dispute still lands, answer it fast

Prevention lowers the number of disputes, but it never brings it to zero. For every case that does arrive, NoChargeback builds an evidence pack with order and customer details, IP address and location match, 3DS and AVS and CVC results, delivery or usage proof, the communication log, terms acceptance, your refund policy, and a letter written for the reason code.

You see a win chance before you submit, and on Growth and up evidence goes out automatically 48 hours before the due date. For fraud claims on Visa 10.4, the Scale plan adds data for Compelling Evidence 3.0. For friendly fraud from real customers, see our chargeback fraud prevention guide.

Your money stays under your control

NoChargeback has read access plus dispute evidence only. It never creates refunds, charges or payouts on its side. Rule suggestions are only suggestions until you add them to your own tools.

Auto refund or decline rules for network alerts are opt in and off by default. You set the amount limit, the reason filter and the action, and the rule runs on your own processor account under your settings. Read more on the security page.