CHARGEBACK PREVENTION AI

ChatGPT for Chargeback Prevention

Upload YOUR statements. Get AI that knows YOUR exact chargeback rate.

ChatGPT gives generic chargeback tips. MerchantGuard AI analyzes YOUR uploaded processing statements to calculate YOUR actual chargeback rate, YOUR dispute patterns, YOUR VAMP risk. Then gives you a personalized reduction plan based on YOUR data. Come back monthly to track improvement and earn compliance rewards.

How It Works:

1. Upload your Stripe/Shopify/PayPal CSV
2. AI calculates YOUR actual chargeback rate
3. Get personalized reduction plan for YOUR business
4. Upload monthly to build proof-of-compliance history
5. Stay compliant → Earn compliance rewards

Analyze My Chargeback Risk - Free

FREE forever for merchants under $10K/month.

The Chargeback Crisis

Every chargeback costs you 2-3x the transaction amount. Exceed thresholds and you face VAMP penalties, PSP termination, and MATCH listing.

0.65%

RDR Early Intervention

Disputes go to RDR instead of chargebacks

0.75%

RDR Standard

$0.50 per RDR alert + dispute fees

1.00%

VAMP Standard

$50 per dispute + monitoring

1.50%

High Risk

PSPs start reviewing for termination

1.80%

VAMP Excessive

$50-250 per dispute + likely termination

2.00%+

MATCH Risk

Termination + 5-year MATCH listing

Generic Tips vs. AI-Powered Analysis

See why personalized AI analysis beats generic advice

Generic Tips

✗ Use clear product descriptions
✗ Improve customer service
✗ Send tracking numbers
✗ Have a clear refund policy
✗ Respond quickly to disputes

❌ Everyone knows this. Not specific to YOUR business.

MerchantGuard AI

"I analyzed YOUR uploaded statements. YOUR chargeback rate: 1.23% (calculated from 47 chargebacks across 3,821 transactions). You're 31 disputes away from VAMP threshold. Based on YOUR business model (digital goods, recurring billing) and YOUR actual transaction patterns:"

Implement Stripe RDR ($0.50/alert vs $50 dispute)
Add billing descriptor: 'YOURSITE.COM *Support'
Send pre-charge email for renewals (reduces 40% of disputes)
Add 3-day cancellation grace period

This plan should reduce YOUR rate to 0.78% within 45 days. Cost: $200 setup. Savings: $4,300/month in avoided VAMP penalties. Come back next month to upload new statements and track YOUR improvement."

✅ Specific strategies for YOUR business model.

Questions You Can Ask

"What's my current chargeback rate?"

"How close am I to VAMP thresholds?"

"Should I implement RDR?"

"What's causing my chargebacks?"

"How much are chargebacks costing me?"

"Will my PSP terminate me?"

"What's the best fraud prevention tool for me?"

"How do I reduce subscription chargebacks?"

"Should I improve my billing descriptor?"

"What's the ROI of chargeback prevention?"

"How do I fight friendly fraud?"

"Can I get to 0.65% in 30 days?"

All answers personalized to YOUR chargeback data and business model.

Stop Guessing. Start Reducing.

FREE for merchants under $10K/month processing.

Get your GuardScore, then ask MerchantGuard AI to analyze YOUR chargeback situation. Personalized reduction plan in 60 seconds.

Get My Reduction Plan Now

No signup. No credit card. Just data-driven chargeback prevention.

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