Home / Services Issue 02 · The Service Edit
Specialists reviewing dispute evidence on a live dashboard
Now operating SOC 2 Type II audited
02 — The platform

Chargeback services that cover every stage of the dispute.

Six connected services, one accountable team. Prevent what you can, contest what you should, and recover what is rightfully yours.

Services06
Coverage24 / 7
Win rate96%

A complete chargeback defense, modular by design.

01.

Prevention Alerts

Issuer alerts reach us the instant a cardholder questions a charge — often days before a formal chargeback. We resolve or refund in time to stop the dispute from ever counting against you.

  • Verifi & Ethoca alert coverage
  • Automated refund decisioning
  • Order cancellation & fulfillment holds
Prevention Alerts
02.

Dispute Representment

When a chargeback is unjustified, we fight it. Analysts build network-formatted evidence packages mapped to each reason code and submit them inside every deadline.

  • Reason-code specific evidence
  • Compelling-evidence ready
  • Deadline tracking on every case
Dispute Representment
03.

Fraud Risk Screening

Every transaction is scored before authorization. High-risk orders are flagged for review so criminal fraud is stopped before goods or services ever leave.

  • Real-time pre-auth risk scoring
  • Device, velocity & geo signals
  • Custom rules for your catalogue
Fraud Risk Screening
04.

Chargeback Analytics

A live dashboard turns raw disputes into decisions — see win rates, reason-code trends and the products and processors quietly driving your losses.

  • Reason-code & processor breakdowns
  • Win-rate & recovery reporting
  • Exportable board-ready summaries
Chargeback Analytics
05.

Compliance Monitoring

We watch your dispute and fraud ratios against card-network thresholds and act early — so you never drift into a VAMP or excessive-chargeback program.

  • Live ratio threshold tracking
  • Early-warning escalation
  • Network program remediation support
Compliance Monitoring
06.

Revenue Recovery

Friendly fraud and written-off losses are not lost causes. Structured recovery workflows reclaim funds and convert past write-offs back into revenue.

  • First-party fraud recovery
  • Re-presentment of eligible losses
  • Root-cause prevention guidance
Revenue Recovery
Real-time transaction monitoring dashboard
PreventionStopped before it posts
03 — Prevention first

The cheapest chargeback is the one that never happens

Most disputes give a quiet warning before they become formal. We listen for it on every network and act inside the window.

  • Early issuer alerts notify us when a customer first questions a charge — before a chargeback is filed.
  • Smart refund decisioning resolves genuine complaints instantly and protects your dispute ratio.
  • Fulfillment holds stop shipments on flagged orders so you never lose both the goods and the money.
Dispute analyst building evidence
RepresentmentBuilt to win the case
04 — When the dispute is filed

Evidence that answers exactly what the issuer is asking

A generic response loses. We build representments mapped to the precise reason code, with the proof that reverses the decision.

  • Reason-code intelligence ensures every case is argued against the rules the issuer actually applies.
  • Compelling-evidence ready packages assemble delivery, usage and customer-history proof automatically.
  • Never a missed deadline — every case is tracked to its representment window across all networks.
Managed onboarding specialists
Managed serviceA specialist on your account
05 — A managed service

Software handles the volume — people handle the nuance

You should not have to become a chargeback expert. That is our job. A named specialist owns your account and your outcomes.

  • Dedicated account specialist who knows your business, your products and your risk profile.
  • Guided 14-day onboarding with no engineering lift and no disruption to checkout.
  • Quarterly strategy reviews that translate dispute data into concrete operational fixes.
06 — Always included

Every plan ships with the essentials

No matter where you start, these come standard — because protection should never be an upsell.

Always-on monitoring

Continuous transaction and dispute coverage, day and night, across every connected network.

Unified dashboard

One place for alerts, cases, recoveries and reporting — shared across your whole team.

Bank-grade security

Encrypted data handling aligned to PCI-DSS and independently audited to SOC 2 Type II.

Specialist support

A named account specialist plus a 24/7 desk for time-sensitive disputes.

07 — In-house vs. TrustGuardian Pro

Why merchants stop fighting disputes alone

Capability
In-house
TrustGuardian Pro
Pre-dispute issuer alerts
Rarely available
Full Verifi & Ethoca coverage
Reason-code evidence
Generic templates
Tailored per case
Deadline management
Manual & error-prone
Automated & tracked
Analytics & root cause
Spreadsheets
Live dashboard
Compliance threshold alerts
Discovered too late
Early-warning escalation