Chargeback management for multiple merchant accounts in one dashboard

Why many accounts make chargebacks harder

Operators rarely have one merchant account. A holding company runs a Stripe account per brand. An agency manages payments for its clients. A software studio sells a dozen products, each with its own descriptor and its own processor. Disputes arrive in a dozen dashboards with a dozen deadlines, and nobody sees the full picture.

The risk is uneven. Your total chargeback rate across all brands can look healthy while one account quietly climbs past the Visa VAMP or Mastercard ECM threshold. Processors measure each merchant account on its own, so one bad month on one brand can trigger a reserve, a fine or a closure that the combined number never showed.

One dashboard for every merchant account

• A single feed of disputes, inquiries, early fraud warnings and network alerts from every connected account.
• Filters by account, brand, processor, reason code, amount and due date.
• A deadline list that sorts every open dispute across all accounts by time left.
• Recovered amount and win rate per account, per reason code and in total.
• Labels for each account, so the team sees brand names instead of processor IDs.

Stripe, Shopify, PayPal, Braintree, Checkout.com, Adyen and Authorize.net accounts can sit side by side in the same workspace.

Chargeback ratio per account and per network

NoChargeback computes the ratio for each account separately, for Visa and for Mastercard, every day. It counts disputes plus early fraud warnings against sales transactions for the calendar month, which is how the networks look at you.

Thresholds are configurable per account if your processor uses stricter internal limits. The ratio view shows the trend for each account, so you can see which brand is drifting before its processor emails a warning.

Alerts before a processor review

Processors start a review when an account crosses network or internal thresholds. By then the options are limited. NoChargeback warns you earlier and tells you where the pressure comes from.

• Which account is rising, and which reason codes drive the rise.
• Which products, countries or card BINs produce the new disputes.
• Which prevention rules would cut the count fastest, such as 3D Secure triggers or refunds on early fraud warnings.
• On Scale, which disputes RDR rules or Ethoca alerts could resolve before they count.

Alerts go to email and to Slack through a webhook, so the person who owns each brand sees them where they work.

Roles and seats for agencies and operators

Large operations need clear ownership. Scale includes ten seats with roles: owners manage billing and connections, admins manage rules and submissions, and members work on disputes. Enterprise includes fifty seats, custom roles, SAML single sign on and an audit log that records who connected an account, changed a rule or submitted evidence. Every person sees the accounts they need, and access ends when they leave.

Evidence and submission across all accounts

Each dispute gets its own evidence pack with data from the account it belongs to: the charge, the customer, 3D Secure and AVS results, delivery or usage proof and a letter written for the reason code. On Growth and higher plans, packs are submitted automatically before each due date, so a busy week on one brand does not mean missed deadlines. Scale and Enterprise add API access, so you can pull disputes and ratios into your own reporting.

The evidence your accounts need depends on what they sell. See chargeback protection for SaaS, ecommerce chargeback protection and digital goods chargeback protection for the reason codes and proof each model uses.

Scale and Enterprise for multi account operators

Both plans have a fixed price with checkout on the pricing page. There is no fee per alert and no percentage of recovered money. Security details for procurement teams are on the security page.