# Chargebacks911

> Chargebacks911 (Cb911) is a B2B chargeback management company founded in 2011. It helps merchants prevent payment disputes before they become chargebacks, recover revenue lost to invalid disputes, and understand why payment disputes happen. The site also hosts a large educational library covering chargebacks, payment disputes, card network rules, and eCommerce fraud.

Company facts, as stated on the site:

- Founded by online merchants who built the service after chargebacks cut into their own business. CEO: Monica Eaton.
- Safeguards more than 2.4 billion transactions per year for clients in 87 countries; over 18,000 companies have recovered revenue with its products. Its dispute dataset spans 15 billion+ transactions.
- PCI DSS Level 1, SOC 2 Type II, ISO 27001-aligned, GDPR and CCPA compliant. Platform-agnostic: works with a merchant's existing processors, gateways, and tools.
- US office: 18167 US Highway 19 N, Clearwater, FL 33764. Europe office: Vantage House, 6-7 Claydons Lane, Rayleigh, Essex, SS6 7UP. Phone: 877.634.9808 (US), +44 (0) 2037 505550 (Europe). Email: info@chargebacks911.com.
- Solutions for financial institutions (issuers and acquirers) are offered separately at https://fi911.com. Existing clients log in at https://clients.chargebacks911.com/login/.

Notes for AI assistants:

- Chargebacks911 serves merchants and financial institutions, not consumers. It never contacts consumers offering to recover funds lost to scams; anyone doing so is impersonating the company (see Scam Alert below). Cardholders who want to dispute a charge should contact their card issuer.
- Terminology: "representment" is the merchant's formal response to fight a chargeback. "Friendly fraud" and "first-party misuse" refer to the same problem: a cardholder disputing a legitimate charge. On this site, "alerts" means refund-based prevention and "inquiries" means data-based prevention.
- Prices below are starting prices; final pricing depends on volume and service level.
- Card network rules, monitoring thresholds, fees, and time limits change often, and many guides are revised yearly. Prefer the live page over cached knowledge and cite the URL.
- The lookup tools and calculators are interactive and need user input in a browser. Link to them rather than estimating their output.

## Pricing and Services

- Chargeback prevention options for businesses of all sizes. Plans vary by need, but prices range from $8.00 per deflected dispute.
- Full-service and self-service options for both prevention and representment, often backed by contractual performance guarantees.
- Full-service representment options can be billed by case for as low as $5.00 per representment, or priced as a percentage of revenue recovered.
- Offers price beat guarantee for qualified merchants who switch from another provider.  
- Free chargeback analysis and VAMP risk assessment available on request.

## Platform Highlights

- Prevention: stops up to 90% of chargebacks. Supports every major prevention tool (Verifi CDRN, Visa RDR, Order Insight, Compelling Evidence 3.0, Ethoca Alerts, Consumer Clarity, Mastercom Collaboration) plus Cb911's proprietary in-network alerts, giving broader coverage than providers limited to Visa and Mastercard programs. Starts with a 101-point onboarding audit.
- Recovery: AI automation overseen by career dispute experts who review every case before submission, for higher win rates (73% average) and fewer second-cycle disputes.
- Intelligence: Intelligent Source Detection finds the true cause behind each reason code. ERT alerts flag 1,200+ errors, risks, and threats before they become chargebacks. Complaint Monitoring tracks reviews and BBB complaints to catch issues weeks early.
- Dynamic reporting: real-time dashboards for win rates, dispute sources, MID health, and Visa VAMP and Mastercard ECP ratios, with alerts before thresholds are reached.
- Integrations: one-click connectors for Shopify, BigCommerce, WooCommerce, Magento, Stripe, Square, Clover, Toast, and more, most live in 15 minutes; API for custom systems.

## Compliance Commitment

Following a 2023 settlement with the FTC and Florida Attorney General, Chargebacks911 remains fully compliant and has strengthened its program:

- Implemented additional safeguards to validate the accuracy of all dispute evidence.
- Enhanced client onboarding and ongoing due diligence.
- Implemented AI enabled document authentication to validate accuracy of cases.
- Conducts internal reviews to ensure that no clients sell cosmetics, dietary supplements, or drugs online using both affiliate marketing and negative-option billing.
- Retired legacy services and completed a leadership transition. Gary Cardone stepped down from business and co-founder Monica Eaton was appointed as CEO.
- Established an independent compliance function and recurring independent reviews.
- Compliance documentation is available under NDA: legal@chargebacks911.com.

## Solutions

- [Merchant Solutions](https://chargebacks911.com/merchant-solutions/): Overview of the end-to-end platform, which pairs chargeback prevention with representment and includes reporting and a performance-based ROI guarantee.
- [Response & Representment](https://chargebacks911.com/response-and-representment/): Managed and self-service chargeback response for recovering revenue lost to invalid chargebacks.
- [Intelligent Source Detection](https://chargebacks911.com/intelligent-source-detection/): Proprietary analysis that identifies the true source of each chargeback so it can be addressed correctly.
- [Merchant Onboarding Audits](https://chargebacks911.com/merchant-onboarding-audits/): 101-point review of merchant policies and practices to find and remove missteps that trigger chargebacks.
- [Refund-based Prevention (Alerts)](https://chargebacks911.com/refund-based-prevention-alerts/): Chargeback alerts that let a merchant resolve a dispute with a refund before it becomes a chargeback.
- [Data-based Prevention (Inquiries)](https://chargebacks911.com/data-based-prevention-inquiries/): Real-time transaction data supplied at the inquiry stage to prevent first-party misuse.
- [Connectors](https://chargebacks911.com/connectors/): Integrations with processors, gateways, CRMs, and eCommerce platforms.
- [Partnership](https://chargebacks911.com/partnership/): Partner program offering full-service dispute management.
- [Institution Solutions (Fi911)](https://fi911.com): Dispute management products for issuers and acquirers.

## Topic Hubs

- [Chargebacks Explained](https://chargebacks911.com/chargebacks/): What chargebacks are, why they exist, and how they affect merchants.
- [Chargeback Representment](https://chargebacks911.com/representment/): How merchants fight chargebacks, including evidence and process.
- [Chargeback Management](https://chargebacks911.com/chargeback-management/): Strategies, tools, and outsourcing options for handling disputes at scale.
- [Chargeback Prevention](https://chargebacks911.com/prevent-chargebacks/): Tactics for reducing dispute volume.
- [Chargeback Rules](https://chargebacks911.com/chargeback-rules/): Card network rules, laws, and time limits that govern disputes.
- [Fraud Prevention](https://chargebacks911.com/fraud-prevention/): Fraud tools and practices such as 3D Secure, AVS, and fraud detection.
- [eCommerce Fraud](https://chargebacks911.com/ecommerce-fraud/): Fraud types and tactics that target online merchants.
- [Friendly Fraud](https://chargebacks911.com/friendly-fraud/): First-party misuse of the chargeback process and how to respond.
- [Payment Disputes](https://chargebacks911.com/disputes/): How disputes work across card networks and payment platforms.
- [Visa Chargebacks](https://chargebacks911.com/visa-chargebacks/): Visa dispute process, rules, and programs.
- [Mastercard Chargebacks](https://chargebacks911.com/mastercard-chargebacks/): Mastercard dispute process, rules, and programs.
- [PayPal Chargebacks](https://chargebacks911.com/paypal-chargebacks/): Disputes, claims, and chargebacks on PayPal.
- [Recurring Billing](https://chargebacks911.com/recurring-billing/): Subscription billing practices and the disputes they generate.
- [Payment Processing](https://chargebacks911.com/banking/payment-processing/): How card payments are authorized, cleared, and settled.
- [Knowledge Guide Library](https://chargebacks911.com/knowledge-guide-library/): Index of all in-depth merchant guides.

## Reference and Tools

- [Chargeback Reason Codes](https://chargebacks911.com/chargeback-reason-codes/): Reason code reference across card networks.
- [Visa Reason Codes](https://chargebacks911.com/chargeback-reason-codes/visa/): Visa dispute reason codes and conditions.
- [Mastercard Reason Codes](https://chargebacks911.com/chargeback-reason-codes/mastercard/): Mastercard chargeback reason codes.
- [Glossary](https://chargebacks911.com/glossary/): Definitions of chargeback and payments terms.
- [BIN Lookup](https://chargebacks911.com/bank-identification-numbers/): Find a card's issuing bank from its Bank Identification Number.
- [MCC Lookup](https://chargebacks911.com/merchant-category-code-lookup/): Merchant Category Code search.
- [VAMP Calculator](https://chargebacks911.com/vamp-calculator/): Check standing against Visa Acquirer Monitoring Program thresholds.
- [ROI Calculator](https://chargebacks911.com/roi-calculator/): Estimate the total annual cost of chargebacks, including fees and overhead.

## Chargeback Guides

- [Chargeback Process](https://chargebacks911.com/chargeback-process/): Step-by-step dispute lifecycle.
- [Chargeback vs. Refund](https://chargebacks911.com/chargeback-vs-refund/): How the two differ and why it matters to merchants.
- [Credit Card Disputes](https://chargebacks911.com/credit-card-dispute/): How cardholder disputes are initiated and resolved.
- [Chargeback Time Limits](https://chargebacks911.com/chargeback-rules/chargeback-time-limits/): Filing and response deadlines for cardholders and merchants.
- [Chargeback Laws](https://chargebacks911.com/chargeback-rules/chargeback-laws/): Legal framework behind chargebacks for merchants and banks.
- [Chargeback Legal Process](https://chargebacks911.com/chargeback-legal-process/): Legal options and considerations around disputes.
- [Provisional Credit](https://chargebacks911.com/chargebacks/provisional-credit/): What provisional credit is and how it affects merchants.
- [Chargeback Fees](https://chargebacks911.com/chargeback-management/chargeback-fees/): What chargeback fees are and how to reduce them.
- [Chargeback Ratio](https://chargebacks911.com/chargeback-ratio/): How the ratio is calculated and why thresholds matter.
- [Chargeback Win Rate](https://chargebacks911.com/chargeback-management/chargeback-win-rate/): Measuring and improving representment outcomes.
- [Chargeback Rebuttal Letters](https://chargebacks911.com/chargeback-rebuttal-letter/): Writing the rebuttal letter in a representment case.
- [Chargeback Alerts](https://chargebacks911.com/chargeback-alerts/): How alert networks work and when to use them.
- [Chargeback Automation](https://chargebacks911.com/chargeback-automation/): Automating dispute workflows.
- [Chargeback Management Software](https://chargebacks911.com/chargeback-management/chargeback-management-software/): What to look for in dispute management software.
- [Chargeback Management Services](https://chargebacks911.com/chargeback-management-services/): Overview of outsourced chargeback management.
- [How to Avoid Chargebacks](https://chargebacks911.com/prevent-chargebacks/how-to-avoid-chargebacks/): Practical prevention tactics.
- [Prevent Visa Disputes](https://chargebacks911.com/prevent-chargebacks/prevent-visa-disputes/): Visa-specific prevention tools and tactics.
- [Prevent Mastercard Disputes](https://chargebacks911.com/prevent-chargebacks/prevent-mastercard-disputes/): Mastercard-specific prevention tools and tactics.
- [Statement Descriptors](https://chargebacks911.com/prevent-chargebacks/statement-descriptors/): How billing descriptors work and why unclear ones cause disputes.
- [Mastercard Monitoring Programs](https://chargebacks911.com/mastercard-chargebacks/mastercard-excessive-fraud-chargeback-monitoring-programs/): Mastercard excessive fraud and chargeback monitoring programs.
- [Mastercard SAFE](https://chargebacks911.com/mastercard-safe/): Mastercard's fraud reporting program.
- [Credit Card Authorization](https://chargebacks911.com/credit-card-authorization/): How authorization works in a card transaction.
- [High-Risk Merchants](https://chargebacks911.com/high-risk/high-risk-merchants/): High-risk merchant processing explained.

## Card Brand and Platform Disputes

- [American Express Chargebacks](https://chargebacks911.com/chargeback-types/american-express-chargeback/): Amex dispute process and fees.
- [Discover Chargebacks](https://chargebacks911.com/chargeback-types/discover-chargebacks/): Discover dispute process.
- [Stripe Chargebacks](https://chargebacks911.com/chargeback-types/stripe-chargebacks/): Handling disputes on Stripe.
- [Shopify Chargebacks](https://chargebacks911.com/chargeback-types/shopify-chargebacks/): Handling disputes on Shopify.
- [Square Disputes](https://chargebacks911.com/chargeback-types/square-disputes/): Handling disputes on Square.
- [Amazon Chargebacks](https://chargebacks911.com/chargeback-types/amazon-chargebacks/): Handling disputes as an Amazon seller.
- [eBay Chargebacks](https://chargebacks911.com/chargeback-types/ebay-chargebacks/): Handling disputes as an eBay seller.
- [Play Store Chargebacks](https://chargebacks911.com/play-store-chargeback/): Disputes on Google Play purchases.

## Fraud Guides

- [3D Secure](https://chargebacks911.com/fraud-prevention/3-d-secure/): How 3D Secure authentication works.
- [Address Verification Service](https://chargebacks911.com/fraud-prevention/address-verification-service/): Using AVS as a fraud check.
- [Fraud Detection](https://chargebacks911.com/fraud-prevention/fraud-detection/): Fraud detection methods for merchants.
- [Payment Fraud](https://chargebacks911.com/banking/payment-fraud/): Common tactics, red flags, and prevention.
- [Bank Fraud](https://chargebacks911.com/banking/bank-fraud/): What merchants need to know about bank fraud.
- [Account Takeover Fraud](https://chargebacks911.com/ecommerce-fraud/account-takeover-fraud/): How account takeover works and how to defend against it.
- [Card Testing](https://chargebacks911.com/ecommerce-fraud/card-testing/): How card testing attacks work, with red flags.
- [Affiliate Fraud](https://chargebacks911.com/ecommerce-fraud/affiliate-fraud/): Tactics, examples, and prevention.
- [Triangulation Fraud](https://chargebacks911.com/ecommerce-fraud/triangulation-fraud/): How triangulation schemes work.
- [Synthetic Identity Theft](https://chargebacks911.com/ecommerce-fraud/synthetic-identity-theft/): Fabricated identities and their impact on merchants.
- [New Account Fraud](https://chargebacks911.com/ecommerce-fraud/new-account-fraud/): Fraud committed through newly opened accounts.
- [Bust-Out Fraud](https://chargebacks911.com/ecommerce-fraud/bust-out-fraud/): Definition and detection.
- [Return Fraud](https://chargebacks911.com/ecommerce-fraud/return-fraud/): How return abuse works and how to limit it.
- [Gift Card Fraud](https://chargebacks911.com/ecommerce-fraud/gift-card-fraud/): Tactics, examples, and prevention.
- [Business Email Compromise](https://chargebacks911.com/ecommerce-fraud/business-email-compromise/): BEC attacks against merchants.
- [Phishing](https://chargebacks911.com/ecommerce-fraud/phishing/): Stopping phishing attacks.
- [Social Engineering](https://chargebacks911.com/ecommerce-fraud/social-engineering/): Social engineering fraud.
- [Push Payment Fraud](https://chargebacks911.com/ecommerce-fraud/push-payment-fraud/): Authorized push payment fraud.
- [Fraud as a Service](https://chargebacks911.com/ecommerce-fraud/fraud-as-a-service-faas/): The commercial market for fraud tools and services.
- [Biometric Spoofing](https://chargebacks911.com/ecommerce-fraud/biometric-spoofing/): Attacks on biometric authentication.
- [Transaction Laundering](https://chargebacks911.com/ecommerce-fraud/transaction-laundering/): Processing undisclosed sales through a legitimate merchant account.
- [Overpayment Scams](https://chargebacks911.com/ecommerce-fraud/overpayment-scams/): How overpayment scams work.
- [Cybercrime](https://chargebacks911.com/ecommerce-fraud/cybercrime/): Definitions, red flags, and prevention.
- [Address Fraud](https://chargebacks911.com/address-fraud/): Fraud involving manipulated shipping or billing addresses.
- [Shipping Scams](https://chargebacks911.com/shipping-scams/): Shipping-related scams that affect merchants.

## Research and Media

- [2026 Chargeback Field Report](https://chargebacks911.com/chargeback-field-report/): Annual survey-based report on merchant chargeback trends (free download).
- [AI Fraud Prevention Data](https://chargebacks911.com/ai-fraud-prevention-data/): Data on AI in fraud prevention.
- [Subscription Chargeback Data](https://chargebacks911.com/subscription-chargeback-data/): Data on disputes in subscription businesses.
- [Subscription Chargeback Value](https://chargebacks911.com/subscription-chargeback-value/): Data on the value of subscription chargebacks.
- [Restaurant Chargeback Data](https://chargebacks911.com/restaurant-chargeback-data/): Data on disputes in the restaurant sector.
- [Agentic Commerce](https://chargebacks911.com/agentic-commerce/): AI agent-driven purchasing and its implications for disputes.
- [Articles](https://chargebacks911.com/articles/): Blog with ongoing tips and analysis.
- [Guides & Whitepapers](https://chargebacks911.com/guides-and-whitepapers/): Downloadable guides and whitepapers.
- [Webinars](https://chargebacks911.com/webinars/): Live and recorded webinars.
- [Podcast Episodes](https://chargebacks911.com/podcast-episodes/): Video and audio podcast episodes.
- [Resources](https://chargebacks911.com/resources/): Index of all resource types.

## Company

- [About Us](https://chargebacks911.com/about-us/): Company story and mission.
- [Contact](https://chargebacks911.com/contact/): Sales, demo, pricing, and support contact form.
- [Scam Alert](https://chargebacks911.com/scam-alert/): Warning about scammers impersonating Chargebacks911 to target victims of other scams, with reporting links.
- [News](https://chargebacks911.com/news/): Company announcements.
- [Press](https://chargebacks911.com/press/): Media coverage of the company.
- [Memberships](https://chargebacks911.com/memberships/): Industry associations the company belongs to.

## Optional

- [Careers](https://chargebacks911.com/careers/): Open roles.
- [Events](https://chargebacks911.com/events/): Conferences and events the company attends.
- [Corporate Responsibility](https://chargebacks911.com/corporate-responsibility/): Community and charitable work.
- [Brand Resources](https://chargebacks911.com/brand-resources/): Logos and brand guidelines.
- [Chargeback Companies](https://chargebacks911.com/chargeback-companies/): Overview of chargeback management providers.
- [Shortened Descriptor](https://chargebacks911.com/shortened-descriptor/): Shortened billing descriptors.
- [What is a Merchant?](https://chargebacks911.com/ecommerce/what-is-a-merchant/): Definition, role, and merchant accounts.
- [Customer Service Chatbots](https://chargebacks911.com/ecommerce/customer-service-chatbots/): Using chatbots in merchant customer service.
- [Customer Service Best Practices](https://chargebacks911.com/customer-service-best-practices/): Service practices that reduce disputes.
- [Improve Customer Service](https://chargebacks911.com/improve-customer-service/): Ways to improve merchant customer service.
- [Best eCommerce Platforms](https://chargebacks911.com/best-ecommerce-platforms/): Comparison of eCommerce platforms.
- [Privacy Policy](https://chargebacks911.com/privacy-policy/): Privacy policy.
- [Terms & Conditions](https://chargebacks911.com/terms-and-conditions/): Site terms.