Manage risk
Chargebacks, managed like an asset class
Reduce disputes and defend revenue — automated risk scoring with fully customisable rules, so you cut chargebacks without blocking legitimate transactions.
Prevent
Risk rules tuned to your sector and card mix, 3DS2 where it earns its friction, and monitoring that spots dispute patterns early.
Fight
Representment support with the evidence the schemes actually accept — delivery proof, customer history, authentication data.
Recover
Keep your ratio inside scheme thresholds and your account in good standing — the cheapest chargeback is the one that never happens.
Related reading: chargebacks & the MATCH list, explained · declined or terminated elsewhere?
VIP360 is the platform, not the counterparty: regulated services are provided by the licensed institution you are matched with, under its own licence and terms.
Frequently asked questions
What is a chargeback?
A chargeback is a card payment reversed by the cardholder’s bank after a dispute — fraud, goods not received, or “I don’t recognise this”. Each one costs you the sale, a fee, and a mark against your chargeback ratio.
Why does the chargeback ratio matter so much?
Card schemes monitor the ratio of chargebacks to transactions. Sustained high ratios trigger monitoring programmes, penalty fees, and in the worst case account termination and a MATCH listing — which makes getting a new merchant account much harder.
How do you reduce chargebacks without killing conversion?
Automated risk scoring with rules tuned to your business — velocity checks, 3DS2 where it helps, and early-warning dispute alerts — so genuinely risky transactions are challenged and legitimate customers sail through.
We’re already on the MATCH list — is that terminal?
No, but it needs handling honestly. Read our MATCH list guide, then talk to us: listings have a reason and a duration, and the right path depends on both.
Check if we can help
Tell us what you need. You deal with one team, and the group’s licensed institutions sit behind it.