Features
Chargeback Deflection
Stop disputes before they ever become chargebacks. Our deflection technology intercepts cardholder inquiries at the bank level and resolves them instantly — protecting your merchant account and your revenue.
How Deflection Works
ChargeX integrates directly with Ethoca and Verifi — the two primary dispute-interception networks used by Visa and Mastercard issuers worldwide. When a cardholder contacts their bank to dispute a charge, we receive an alert within seconds and automatically resolve the inquiry before it can escalate into a formal chargeback.
Our deflection engine matches each incoming alert against your transaction data, applies your configured resolution rules, and sends a real-time response back to the issuing bank. The result: the dispute is closed at the source, your chargeback ratio stays clean, and the customer experience remains intact — all without any manual intervention from your team.
How It Works
The Deflection Process
Four steps from dispute inquiry to full resolution — all automated, all in real time.
Customer Contacts Bank
Cardholder questions a charge and contacts their issuing bank to dispute it.
Alert Received
Ethoca or Verifi sends a real-time alert to ChargeX within seconds of the inquiry.
Auto-Resolution
Our engine matches the alert, applies your rules, and issues an instant resolution response.
Dispute Prevented
The inquiry is closed at the bank. No chargeback filed, no fee charged, no ratio impact.
Benefits
Why Deflection Matters
Stopping chargebacks before they start delivers compounding advantages across your entire operation.
Protect Merchant Account
Keep your chargeback ratio well below the 1% threshold that puts merchant accounts at risk. Deflected disputes never count against your processor ratio, shielding you from account termination and reserve requirements.
Lower Processing Fees
Chargeback fees typically range from $20–$100 per incident, and that's before representment costs. By deflecting disputes before they become formal chargebacks, you eliminate these fees entirely and protect your margin on every transaction.
Preserve Customer Relationships
A chargeback is a broken customer relationship. Deflection resolves the underlying concern quickly and quietly — often with an automatic refund — so customers remain satisfied and more likely to return, rather than leaving with a negative experience.
Per deflected chargeback
Pay only for prevented disputes
Chargeback ratio impact
Deflected disputes are invisible to processors
Resolution time
Fully automated at the bank level
Ready to Stop Disputes at the Source?
Connect your payment processor in minutes and start deflecting chargebacks before they ever reach your account.