Chargeback prevention rules built from your own dispute history

Why generic fraud rules are not enough

Every store has a different mix of products, prices, countries and buyers. A rule that is right for a sneaker shop can block half the good orders of a software company. The best rules come from your own data: which cards, countries, amounts and products actually turned into chargebacks.

NoChargeback reads every dispute, inquiry and early fraud warning from your connected accounts and looks for patterns by BIN, card country, IP country, amount, product and time between orders. When a pattern repeats, it becomes a recommendation, with a count of how many past disputes it would have caught and how many good orders it would have touched.

The four kinds of chargeback prevention rules we recommend

Each recommendation sits in the Rules page of your dashboard with the reason behind it. You can accept it, change it or dismiss it.

3DS triggers

3D Secure asks the cardholder to confirm the payment with their bank. A successful 3DS check usually shifts fraud liability from you to the issuer, but it also adds a step that some buyers drop at. NoChargeback suggests asking for 3DS only where your data shows risk, such as certain BIN ranges, card countries that differ from the IP country, or first orders above a set amount.

Fraud screen rules in the Radar style

These are plain rules you can add to Stripe Radar or to the fraud screen on your checkout, for example "block if the card country is not on your shipping list" or "review if the email was created less than a day ago and the order is above 300 USD". Each one comes in readable form so you or your developer can copy it.

Velocity limits

Card testing and resale fraud often show up as many attempts in a short time. NoChargeback suggests limits on attempts per card, per email, per device and per IP address per hour or per day, set just above the highest count your real buyers reach.

Refund before dispute

Some cases cost less to refund than to fight. When an early fraud warning or a network alert arrives, NoChargeback compares the cost of a refund with the expected cost of a dispute and marks the cases where a refund is the cheaper choice.

The math behind refund before dispute

The expected cost to fight is the dispute fee plus the order value times the chance of losing. The cost to refund is the order value, with no dispute fee and no new case on your ratio. Dispute fees are typically 15 to 100 USD per dispute depending on your processor.

The win chance comes from the reason code and the evidence you have for the order. The math does not count staff time or the effect on your ratio, both of which also favor the refund in close cases. Some processors return the fee when you win, so treat the result as guidance and set your own limit.

A refunded payment cannot turn into a chargeback. Fraud reports from the issuer may still count in some network programs, so ask your acquirer how your ratio is measured. Our chargeback ratio monitor tracks it against the limits you set.

Auto refund or decline rules for network alerts

On Scale and Enterprise, NoChargeback receives pre dispute alerts from Ethoca and Verifi CDRN, and supports Visa RDR. With these alerts you get a short window to act before a case becomes a chargeback. You can let a rule handle the routine ones.

• Opt in. Every rule is off by default and stays off until you create and enable it.
• Your limits. You set the network, the maximum amount, the reason filter and the action.
• Your account. The rule runs on your own processor account under your own settings.
• Full log. Every action a rule takes shows in the alert feed with the rule that triggered it.

Without a rule you enabled, NoChargeback never touches money. It has read access plus dispute evidence only and never creates refunds, charges or payouts on its side. Read more about chargeback alerts and Visa RDR.

Which plans include prevention rules

Growth also adds automatic submission 48 hours before the due date, Slack alerts, five processor accounts and three seats. Annual billing saves 50 percent. Prices are flat, with no per alert fee and no cut of recovered money. See everything on the pricing page.

Prevention and evidence in one place

Rules lower the number of disputes. Evidence wins the ones that still arrive. NoChargeback does both from the same data, so a pattern found in lost cases feeds a new rule, and every remaining case gets a pack built for its reason code. For more on stopping fraud at checkout, read our guide to ecommerce fraud prevention software.