Chargeback Proof: How to Cut Chargebacks, Win Disputes and Save Your Merchant Account
A chargeback just landed. Your ratio is climbing. Your processor wants a plan in ten business days. Now what?
Nobody explains chargebacks when you open a merchant account. You learn on a Friday afternoon, when your balance is frozen and a five-figure dispute has seven days on the clock.
Chargeback Proof is the playbook written by a merchant who has been there: twenty years on the merchant side of the card networks, terminated by more than a dozen providers, and rebuilt every time. It shows you how to cut chargebacks, win the disputes you can't avoid, save your merchant account, and recover if it's taken away.
INSIDE, YOU'LL LEARN
• The ratio that gets accounts shut down, how it's calculated, and the thresholds your bank watches (Chapter 4)
• Why the analyst gives your case four minutes, and how to build a response they can rule on in four (Chapter 13)
• The three most common chargeback reasons, and exactly how to beat each one (Chapter 14)
• How to stop disputes before they start: shipping, identity checks and customer service (Part II)
• Subscriptions and recurring billing: the rules for trials, reminders and cancellations (Chapter 10)
• Declines: the silent account killer nobody watches (Chapter 11)
• What really happens after a termination: your held funds, the MATCH list, and the first week, in order (Part IV)
12 READY-TO-USE TEMPLATES
• 5 rebuttal letters by reason code: not authorised, not received, not as described, cancelled recurring, and pre-chargeback inquiries
• 7 customer emails that stop disputes before they start: identity checks, address mismatches, delay notices, delivery confirmations, renewal reminders and more
PLUS
• A reason-code quick reference for Visa, Mastercard, American Express and Discover
• Checklists and a 30-day plan to bring your ratio down
• A plain-English glossary
WHO IT'S FOR
E-commerce owners, subscription businesses, high-ticket sellers, digital-goods merchants, and anyone who takes card payments online and can't afford to lose their merchant account.
ABOUT THE AUTHOR
Ludovic Chan has operated online businesses for twenty years and has held merchant accounts with most of the major providers, as well as high-risk and offshore specialists. He has been terminated by more than a dozen of them and has rebuilt every time. That is how the methods in this book were learned.
7-DAY GUARANTEE
If the book doesn't give you at least one change that reduces your chargebacks or improves a dispute response, email support@solidbasehouse.com within 7 days for a full refund.
WHAT YOU GET
• PDF ebook, 90 A4 pages, in English
• 18 chapters and 5 appendices, including all 12 templates
• Instant download
Protect your revenue. Protect your account. Get Chargeback Proof now.
This book is practical guidance based on the author's experience. It is not legal advice, and no one can guarantee what a bank, card network or processor will decide.