Prevent, fight and win chargebacks
Real-time alerts, automated evidence and representment help you recover revenue and keep your chargeback ratio inside network limits.
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Turn disputes from a cost center into a controlled process
Chargebacks do double damage: you lose the sale and pay a fee, and if your ratio climbs too high you risk losing your merchant account entirely. Handling them manually is slow and error-prone.
Bear Merchant intercepts disputes early with alerts, prevents avoidable ones with clearer descriptors and fraud controls, and automates the evidence needed to win the rest — all tracked against network deadlines.
How dispute resolution works
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1
Alert
You're notified the moment a dispute or pre-dispute is raised.
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2
Decide
Refund to deflect, or proceed to fight with evidence.
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3
Represent
We compile and submit evidence in the issuer's required format.
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4
Analyze
Review outcomes and fix the root causes driving disputes.
A full dispute lifecycle in one place
From early warning to representment and root-cause analysis.
Real-time alerts
Get notified of disputes early so you can refund or respond before escalation.
Automated evidence
Assemble transaction, authentication and delivery proof in the correct format.
Deadline management
Every case is tracked against issuer deadlines so you never miss a window.
Reason-code analytics
See what's driving disputes by product, issuer and channel.
Clear descriptors
Reduce "I don't recognize this charge" disputes with recognizable billing descriptors.
Fraud integration
Block risky transactions before they become fraud chargebacks.
A chargeback costs far more than the sale
Beyond the refunded amount there is the fee, the lost goods, the staff time — and the ratio that decides whether you keep processing at all.
Recover revenue and protect your MID
Recover lost revenue
Win more representments with complete, correctly formatted evidence.
Lower your ratio
Deflection and prevention keep you below network thresholds.
Save operational hours
Automation replaces manual evidence gathering and tracking.
Avoid account risk
Stay clear of monitoring programs that can freeze processing.
Results that compound
Who needs chargeback management
High-volume ecommerce
Stores where even a small dispute rate means large absolute losses.
Subscription services
Recurring billers exposed to "cancel-by-dispute" behavior.
Travel & ticketing
Businesses with high-ticket, delayed-fulfillment transactions.
Closely monitored categories
Verticals under close network scrutiny for chargeback ratios.
Digital goods
Sellers targeted by friendly fraud on intangible products.
Marketplaces
Platforms managing disputes across many sellers.
Frequently asked questions
Still unsure about something? Our team answers in plain language — no sales script.
Ask a questionStop losing revenue to chargebacks
See how alerts and automated representment protect your margin and your merchant account.