Chargeback Stabilization & Fraud Operations for Scaling Digital Merchants

We help subscription platforms, fintechs, and high-risk operators reduce dispute ratios, exit monitoring programs, and protect revenue at scale.

We operate where risk becomes real.

• Dispute strategy & compelling evidence standards

• Monitoring ratio forecasting & stabilization plans

• Processor-facing risk communication

• Fraud leakage analysis & prevention architecture

We support digital businesses where dispute volume, fraud exposure, or monitoring pressure threatens revenue growth.

Who We Work With

Subscription & SaaS Platforms

Recurring billing models with cancellation friction, friendly fraud, and high chargeback exposure.

Fintech & Embedded Finance

Payment facilitators, digital wallets, lending platforms, and alternative payment operators.

Marketplaces & Digital Platforms

Two-sided marketplaces managing seller risk, fraud patterns, and card-not-present exposure.

High-Risk & Regulated Verticals

Gaming, gambling, trading platforms, nutraceutical, and other monitoring-sensitive categories.

When Chargebacks Escalate, they Move Fast.

Most merchants don’t realize the true cost of chargebacks until the processor flags their account.

• Chargeback ratios approaching Visa or Mastercard monitoring thresholds

• Warning letters from processors or acquiring banks

• Dispute spikes following product, pricing, or marketing changes

• No structured representment or evidence standards

• Disputes handled manually with no strategic oversight

• No visibility into dispute trends, ratios, or exposure

Estimate Your Chargeback Exposure

See how disputes, fees, and internal costs can add up each month.

Monthly Exposure ? Estimated total transaction value associated with monthly disputes.
$0
Monthly Cost Impact ? Includes dispute value, processor chargeback fees, internal operational costs, and estimated pre-arbitration handling.
$0
Monthly Savings ? Estimated savings if dispute volume is reduced based on the reduction target percentage.
$0
Annual Savings ? Annualized estimate based on the projected monthly savings.
$0
Estimate only. Does not include monitoring program penalties, reserve impacts, or processor pricing changes.

How We Engage

We build dispute and fraud functions from the ground up — and step in when pressure escalates.

Built around control, visibility, and long-term stabilization.

1. Foundation & Risk Architecture

We assess dispute volume, fraud exposure, monitoring thresholds, win rates, and processor communication gaps to establish a clear operational baseline.

From there, we design structured rebuttal standards, monitoring frameworks, and escalation pathways tailored to your model.

2. Stabilization & Control Implementation

When ratios trend upward or monitoring pressure increases, we implement structured stabilization plans — including evidence refinement, forecasting oversight, fraud rule adjustments, and processor-facing communication strategy.

The goal is immediate control and measurable recovery.

3. Ongoing Dispute & Fraud Operations

We support ongoing dispute response strategy, fraud leakage analysis, and monitoring oversight to ensure risk is managed proactively — not reactively.

Risk becomes a controlled function, not an operational surprise.

Built by Operators

Martin Landeros

Founder | Payments Risk & Compliance

Payments risk operator with experience leading dispute, fraud, and compliance functions inside high-growth digital platforms handling multi-billion dollar transaction portfolios.

Full Bio

Fraud and trust specialist focused on identity verification, AML monitoring, and operational execution inside digital platforms and financial services environments.

Co-Founder | Fraud & Trust Operations

Nayely Landeros

Full Bio

FAQ

  • We review:

    • Dispute ratios & trends

    • Win rates & evidence quality

    • Fraud leakage &authorization health

    • Monitoring exposure (Visa, MasterCard, acquirer thresholds)

    • Procesor communication history

    From there, we outline immediate pressure points and a stabilized roadmap.

  • Our pricing depends on engagement type and dispute volume.

    We typically work in structured phases:

    • Initial risk assessment & stabilization build-out

    • Monitoring recovery / ratio control

    • Ongoing dispute & fraud operations support

    Most engagements are monthly retainers aligned to dispute volume and operational complexity.

  • It depends on your situation.

    • Reactive stabilization (monitoring pressure, VAMP, ECP): 2-4 months typical

    • Function build-out from scratch: 3+ months

    • Ongoing oversight & optimization: retainer-based

    Our goal is control, predictability, and long-term stability – not temporary fixes

  • Both.

    We support:

    • Early-stage companies building risk infrastructure correctly from day one

    • Growth-stage platforms experiencing dispute escalation

    • Established merchants under monitoring pressure

    If you process digital payments, we can structure your risk function.

  • No.

    We support:

    • Subscription & Saas

    • Fintech & embedded finance

    • Marketplaces

    • Regulated verticals

    High -risk environments often need us most urgently – but preventative structure benefits any digital merchant.

  • Yes.

    We support merchants in:

    • Rising dispute ratio environments

    • Acquirer warning stages

    • Network monitoring programs

    • Fraud spikes after product or pricing changes

    We focus on measurable ratio recovery and processor alignment.

  • Yes — but engagements are structured intentionally.

    We don’t sell isolated “dispute writing” services.

    Our work integrates:

    • Evidence standards

    • Ratio forecasting

    • Fraud controls

    • Processor communication

    Everything works together to reduce exposure long-term.

Still Have Questions?

Book a 30-minute risk consultation.