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+1 (702)-623-3528Boost chargeback win rates through automated, evidence-based disputes, reclaiming funds that would otherwise be lost.
Automate manual processes to save time and resources, allowing your team to focus on core activities.
Proactive chargeback prevention tools help keep your ratio under Visa and Mastercard’s 1% threshold, avoiding costly monitoring programs and account termination penalties.
Minimize illegitimate disputes from friendly fraud and first-party misuse with real-time monitoring and AI-driven detection, protecting your revenue from fraudulent chargeback claims.
Stay aligned with PCI DSS, Visa’s Dispute Monitoring Program (VDMP), and Mastercard’s Excessive Chargeback Program (ECP) rules — reducing the risk of fines or merchant account termination.
Analyze chargeback trends, reason codes, and win rates to refine dispute strategies and reduce friendly fraud over time.
Handle increasing transaction volumes as your business expands, with support for high-risk sectors.
Dedicated chargeback specialists provide guidance on dispute responses, representment strategy, and fraud prevention for ongoing success.

Fully PCI DSS Level 1 compliant for secure handling of cardholder data, transaction records, and chargeback dispute documentation — meeting the highest card network security standards.
Safeguard sensitive data during storage and transmission to prevent unauthorized access.
AI-powered fraud scoring and real-time chargeback risk detection flag suspicious transactions before they escalate — reducing friendly fraud and illegitimate dispute filings.
Maintain secure, compliant vaults for chargeback documentation — including receipts, AVS/CVV records, and delivery proof — ensuring evidence integrity for successful dispute representment.
Set permissions to limit exposure and maintain operational security.
Works with NMI, Authorize.net, Stripe, PayPal, Adyen, Worldpay, and 40+ leading processors for unified transaction and chargeback dispute management.
Connect to systems like Salesforce or QuickBooks for automated data flow and evidence gathering.
Developer-friendly options for custom workflows, alerts, and analytics.
Integrate with Shopify, WooCommerce, and more for end-to-end chargeback oversight.
Rapid Dispute Resolution (RDR) is an automated chargeback prevention tool developed by Verifi that stops Visa disputes before they become chargebacks.
When a Visa dispute is initiated, RDR automatically processes a refund to the customer based on your predefined rules, preventing the dispute from becoming a chargeback.
• Covers Visa transactions only
• Automatic refunds without manual intervention
• Disputes resolved via RDR do not count against your Visa chargeback ratio
• May appear as "Chargeback lost" in your processor but does not affect Visa Metrics
• Stops virtually every Visa chargeback (Typically 60% - 65% of all chargebacks)
• Eliminates manual dispute processing for Visa transaction
• Swift customer credits improves satisfaction
• Maintains low Visa dispute counts
Takes about 3-7 business days to go live
Ethoca provides real-time chargeback alets through a global network of merchants and card issuers, allowing you to resolve disputes before they become chargebacks.
When a cardholder disputes a transaction, Ethoca immediately alerts you with transaction details. You can then process a refund to prevent the dispute from becoming a chargeback.
Needs a Gateway or CRM connected to automate refunds
• Early warning system - alerts arrive before RDR (Typically 3-8 days earlier)
• Improves customer satisfaction through resolution
• Primarily handles mastercard transactions
• Requires manual refund processing
• Prevents chargeback escalation
Takes about 1-2 business days to go live
Cardholder Dispute Resolution Network (CDRN) is a chargeback alert system that notifies you when cardholders dispute transactions, giving you the opportunity to resolve disputes before they become chargebacks.
When a cardholder contacts their bank to dispute a charge, CDRN sends you an alert. You can then process a refund to prevent the dispute from escalating to a chargeback.
Needs a Gateway or CRM connected to automate refunds
• Covers Visa, Mastercard, Amex and Discover cards
• Works with approximately 1000 participating banks
• Best coverage for US, European and Canadian banks
• Requires manual refund processing
Takes about 1-14 business days to go live
Order insight is a service that sends detailed information to banks and customers when they view transactions in their banking app or they contact their bank about a charge.
When customers see an unfamiliar charge, order insight displays additional details like order confirmations, shipping status, and merchant contact information to help them realize legitimate purchases.
• Reduces "Friendly Fraud" from unrecognized transactions
• Works in real-time without manual intervention
• Helps customers recognize legitimate purchases
• Provides transparency in banking apps
Compelling Evidence helps you fight invalid chargebacks by automatically providing proof that customers have a legitimate relationship with your business through their purchase history.
The system tracks customers purchase patterns, device information, and transaction history to build evidence that proves customers are legitimate buyers, and not fraudsters.
To work effectively, you must provide two or more undisputed transactions over 120 days old for the same customer.
• Previous undisputed transactions from the same customer
• Matching customer data points
• Device fingerprints and IP Addresses
• Shipping / Billing patterns
• Behavorial patterns proving legitimate use
Takes about 1-14 business days to go live
E-commerce Platforms: Shopify, Sticky, etc.
Payment Gateways: NMI, etc.
Others: Checkout Champ, etc.
Important: It's prefered to connect a CRM over a gateway for enhanced data collection and better quality evidence
Have a question about our services or prices. Contact us using the form and information on this page
CARDZ3Nis a merchant services and gateway platform built for high risk ecommerce, large ticket B2B (like AerospacePay use cases), and growing local retailers. It connects your online store, invoices, and in person terminals into one unified payments stack so you can control approvals, fees, and reporting from a single place.
You complete a standard application, but underwriting is more detailed for high risk and large ticket models. CARDZ3N gives you a clear checklist (documents, policies, processing history) and works with our banking partners to help you get approved on terms that fit your risk profile and growth plans.
Most CARDZ3N merchants receive next day deposits, while high risk merchants typically receive funds within two business days of settlement. Some high risk, large ticket accounts may use rolling reserves or slightly longer payout windows to manage exposure, and we explain those terms up front. As your history stabilizes, we actively look for ways to improve your funding profile.
Pricing combines interchange, assessments, and a markup that depends on risk, channels, and ticket sizes. High risk ecommerce typically has higher base rates; large ticket B2B can reduce effective costs by qualifying for Visa’s Commercial Enhanced Data Program (CEDP), which rewards high quality enhanced commercial data with improved Product 3 interchange; and local retail often benefits from lower card present EMV contactless rates. CARDZ3N models all three segments, so you see a clear, channel specific effective rate instead of a generic number.
Yes! For B2B, we help you adopt Visa’s Commercial Enhanced Data Program (CEDP) and Large Ticket optimizations where possible, so big invoices carry the enhanced commercial data issuers expect and can qualify for better card pricing. For high risk ecommerce, we focus on reducing fraud and chargebacks; for local retail, we optimize your terminal and card present mix. CARDZ3N reviews your data regularly and recommends concrete changes rather than just promising “lower rates.”
CARDZ3N offers APIs and integrations for major ecommerce platforms, subscription tools, and B2B invoicing/ERP/CRM systems, plus certified EMV contactless terminals and POS options for in store. Our support team understands high risk, B2B, and retail environments and can help with underwriting questions, chargebacks, integrations, and hardware. As you scale, we revisit pricing, risk settings, and tech so your payments stack keeps pace with your business.
Start protecting your revenue from chargebacks today — schedule your complimentary consultation with CARDZ3N’s dispute management specialists.