Fraud & chargebacks

Fewer chargebacks, and help with the ones that get through.

Risk rules before authorisation, early dispute alerts from the issuers, and a team that files the representments for you. The aim is to keep every merchant account well clear of the scheme monitoring thresholds.

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What you get

Three places we can stop a chargeback

Pre-authorisation rules

Velocity, BIN country vs IP, device and amount rules tuned for your vertical. Editable in the dashboard.

Dispute alerts

Visa RDR and Ethoca alerts arrive before a dispute is filed. Refund automatically and the chargeback never counts.

Representment

Our team files the evidence for disputes worth fighting, using the data already in the gateway.

How it works

When each layer kicks in

Because the gateway sees the payment, the alert and the dispute, it can act at each stage rather than only at the end.

STEP 01
Screen at authorisation
Risk rules run before the payment reaches an acquirer. Blocked attempts never touch your ratio.
STEP 02
Act on alerts
When an issuer flags a transaction, we refund within the alert window according to your policy.
STEP 03
Fight what is worth fighting
Disputes that get through are reviewed. Evidence is compiled and filed by our team.

Specifications

Technical details

If something you need is missing here, ask your analyst or check the docs.

Rule types: Velocity, geo mismatch, BIN, amount, device, custom lists
Alerts: Visa RDR, Ethoca, Mastercard Collaboration
Auto-refund window: Configurable, default 24 h
Representment: Handled by KyvraPay; evidence from gateway data plus your uploads
Monitoring: Ratio per merchant account with alerts at 0.65% and 0.8%
Reporting: Dispute lifecycle in the dashboard and by webhook

Get started

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