What it is, and why it matters.
Chargebacks are expensive twice: the lost revenue and the time spent scrambling to respond before a deadline you nearly missed. Left unmanaged, a rising dispute rate also threatens the health of your merchant accounts.
Vertlo makes disputes a managed workflow: early alerts, a structured evidence checklist per reason code, hard deadline tracking, and a risk team that helps assemble representment — so you contest from strength, not panic.
Turn disputes into a process
Never miss a deadline
Every dispute carries a tracked deadline with reminders.
Evidence that wins
Reason-code-specific checklists guide a complete submission.
Protect account health
Managing dispute rate protects your MIDs and approval standing.
Human help
A risk team assembles representment with you.
Inside chargeback management
Configured with your acquiring, routing, and reporting during onboarding — and supported by a team that knows the account.
Book a call→Dispute alerts
Early notification of new disputes and deadlines.
Evidence checklists
Structured, reason-code-specific evidence workflows.
Deadline tracking
Countdowns and reminders so nothing lapses.
Representment support
Team assistance assembling and submitting evidence.
Outcome reporting
Win/loss tracking and dispute-rate monitoring.
Dispute scenarios
Fraud disputes
Assemble device, AVS, and 3DS evidence to contest card-absent fraud claims.
Product/service disputes
Fulfilment proof and communications counter 'not received' and 'not as described'.
Subscription disputes
Continuity disclosures and usage records answer 'cancelled recurring' claims.
Chargeback FAQs
Answers to the questions merchants ask most about this part of the platform.
How does Vertlo help me win disputes?
By turning each dispute into a guided workflow: a reason-code-specific evidence checklist, tracked deadlines, and a risk team that helps assemble representment so submissions are complete and on time.
Why does dispute rate matter beyond the lost sale?
A rising chargeback rate can threaten the health and standing of your merchant accounts. Managing it actively protects approval performance and account stability.
Do you guarantee dispute wins?
No — outcomes are decided by issuers and card networks. Vertlo maximises the strength and timeliness of your response, but no provider can guarantee results.
What evidence should I keep?
Fulfilment and tracking proof, customer communications, terms acceptance, and for subscriptions, continuity disclosures and usage records. The checklist guides you per reason code.