Chargeback Stabilization & Fraud Operations for Scaling Digital Merchants

We help subscription platforms, fintechs, and high-risk operators at all levels in business 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

Who We Work With

We support merchants where dispute pressure can quickly turn into revenue drag.

Landeros Solutions partners with digital businesses and brick-and-mortar where chargeback volume, fraud exposure, processor scrutiny, or weak internal controls are beginning to threaten stability, growth, and margin.

01

Subscription & SaaS Platforms

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

Recurring disputes Friendly fraud Refund friction
02

Fintech & Embedded Finance

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

Monitoring risk Network pressure Fraud exposure
03

Marketplaces & Digital Platforms

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

Seller risk Fraud leakage CNP exposure
04

High-Risk & Regulated Verticals

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

High loss potential Network scrutiny Program risk
Best fit for merchants with growing dispute complexity, rising processor pressure, or internal teams that need more structure before chargebacks turn into a larger operational or compliance problem.

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

See What Chargebacks May Be Costing You

Estimate your monthly cost using disputed sales, processor fees, internal handling, and pre-arbitration costs.

Inputs
How many chargebacks you typically receive in one month.
Average dollar amount of each disputed transaction.
The dispute fee charged by your processor for each chargeback case.
Your estimated labor or operational cost to review and work each dispute.
Percent of disputes that return after the initial response as pre-arbitrations.
The total amount your processor charges when a dispute returns as pre-arbitration.
The percentage of disputes you believe could be prevented or avoided.
Disputed Revenue ? Total dollar value of the transactions being disputed this month.
$0
Total Monthly Cost ? Combined estimate of disputed sales, PSP fees, internal handling cost, and pre-arbitration cost.
$0
Projected Monthly Savings ? Estimated monthly cost avoided if dispute volume is reduced. Includes avoided disputed revenue, PSP fees, internal handling cost, and pre-arbitration cost.
$0
Projected Annual Savings ? Annualized estimate based on the projected monthly savings.
$0
How Your Total Monthly Cost Is Calculated
Revenue lost to disputed sales $0
Processor / PSP dispute fees $0
Internal operations cost $0
Pre-arb cost $0
Total estimated monthly cost $0
How Your Projected Monthly Savings Is Calculated
Avoided disputed revenue $0
Avoided processor / PSP dispute fees $0
Avoided internal operations cost $0
Avoided pre-arb cost $0
Total projected monthly savings $0
Projected savings represent avoided losses, not new revenue. This assumes dispute volume is prevented before it happens. Estimate does not include monitoring penalties, reserve impacts, or processor pricing changes.
How We Engage

We build control before disputes become expensive.

Landeros Solutions helps merchants move from reactive chargeback firefighting to a structured dispute and fraud function built for visibility, processor confidence, and long-term stability.

Visa VAMP Mastercard ECP Processor Confidence Escalation Control
Visa Monitoring
VAMP Ratio
Illustrative: 1.2%
VAMP = (TC40 Fraud + TC15 Disputes) ÷ TC05 Settled Transactions
0.9% Early Warning
1.5% Above Standard
2.2% Excessive
Based on the VAMP, this reflects how combined fraud and disputes create card-network pressure.
Mastercard Monitoring
ECP Ratio
Illustrative: 1.4%
ECP = Current Month First Chargebacks ÷ Previous Month Mastercard Transactions
1.0% HCM
3.0% ECM
Reflects the High Chargeback Merchant and Excessive Chargeback Merchant.
01
Phase One

Assess & Architect

We baseline dispute volume, fraud exposure, monitoring pressure, win rates, and processor communication gaps to define the control model.

02
Phase Two

Stabilize & Implement

We build evidence standards, monitoring frameworks, escalation pathways, and operational controls to reduce volatility and regain visibility.

03
Phase Three

Operate & Improve

We support ongoing dispute operations, fraud leakage analysis, and trend monitoring so risk becomes a controlled function, not a recurring fire drill.

Visibility
Know Where Risk Is Building
We surface dispute patterns, weak spots, and escalation triggers before they turn into processor pressure.
Control
Tighten Operational Discipline
From evidence standards to pre-arb handling, we install structure where most teams are still reacting manually.
Stability
Reduce Volatility Over Time
The goal is not just to respond to disputes — it’s to turn risk into a managed operational function.

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
What We Offer

Four engagement models built to advise, operate, stabilize, and transform your risk function.

We support merchants at different stages of dispute maturity — from early advisory needs to full operational ownership, urgent stabilization, and long-term risk infrastructure. Each engagement is designed to meet the business where it is today while creating a path for stronger control as complexity grows.
Advisory Layer · <20 disputes/mo

Advisory Support

01
Strategic support for merchants with lower dispute activity who want expert guidance, stronger internal handling, and a clearer path forward before full operational ownership is needed.
What it offers
Monthly dispute review and pattern analysis
Guidance across fraud, refund, and operational drivers
Templates, playbooks, and structured recommendations
Strategy-only support — no execution or case handling
How it fits
Entry point for lower-volume merchants building toward operational maturity.
Core Engagement

Dispute Operations

02
Ongoing dispute and chargeback management designed to improve execution quality, maintain operational consistency, and support stable day-to-day performance as volume grows.
What it offers
Dispute intake, classification, and prioritization
Representment management and execution support
Pre-arbitration handling and workflow oversight
Operational reporting and monitoring visibility
How it fits
Execution layer for merchants with growing dispute volume and operational demand.
Stabilization

Monitoring Stabilization

03
Focused support for businesses facing rising chargeback ratios, processor pressure, or early warning indicators tied to monitoring program risk.
What it offers
Ratio tracking, forecasting, and threshold visibility
Stabilization planning tied to dispute and fraud drivers
Processor and acquirer coordination
Recovery planning to regain operational control
How it fits
Activated when risk escalates or monitoring thresholds are approached.
0 → 1 Build

Risk Function Build

04
End-to-end design of a scalable dispute and fraud function for businesses that need structure, tooling, ownership, and reporting built from the ground up.
What it offers
Workflow and operating model design
SOP creation and ownership structure
Tooling recommendations and KPI framework
Foundation for long-term execution and scale
How it fits
Used when building a risk function from 0 → 1 or restructuring for scale.
How they can work together
Advise Advisory Support helps lower-volume merchants build clarity, improve handling, and prepare for scale.
Operate Dispute Operations handles the ongoing workflow and execution layer.
Stabilize Monitoring Stabilization adds focused support when ratio pressure or network risk escalates.
Build Risk Function Build creates the long-term infrastructure when the business needs a stronger foundation.
Dispute Operations * Monitoring Stabilization * Risk Function Build * Advisory Support * Compelling Evidence 3.0 * Pre-Arbitration Handling * Fight vs Accept Analysis * VAMP & ECP Tracking * Network-Aligned Rebuttals * Reason-Code Specific. Always. * Builders + AI * Built by Operators * No Full PANs. Ever. * Processor Confidence *
Dispute Operations * Monitoring Stabilization * Risk Function Build * Advisory Support * Compelling Evidence 3.0 * Pre-Arbitration Handling * Fight vs Accept Analysis * VAMP & ECP Tracking * Network-Aligned Rebuttals * Reason-Code Specific. Always. * Builders + AI * Built by Operators * No Full PANs. Ever. * Processor Confidence *
Dispute OS

Landeros Dispute OS — our own AI-powered dispute operations platform.

Our builders and AI work side by side on every case. Not to replace our builders. To make them sharper. Every case is led by a human expert. The AI reads the evidence, checks the current network rules, identifies what is missing, and drafts the rebuttal. Our builders review, refine, and submit. That is the standard we hold ourselves to.
ML
AI
Builders + AI Expert-led — every case
Built in-house — not licensed, not outsourced
How it works

Every case moves through a structured, analyst-led workflow.

Dispute OS does not run on autopilot. It gives our builders the infrastructure to work faster, more consistently, and to a higher standard than manual operations allow. Here is how a case moves through the system.
Step One

Intake & Classification

01
The analyst opens a new dispute in Dispute OS and inputs the case data directly from the PSP portal. The system auto-calculates internal deadlines, sets urgency flags, and routes the case by network and reason code.
PSP case ID, ARN, network, and reason code captured
Internal deadline set days before PSP deadline
Urgency flags: on track, due soon, critical, overdue
Merchant profile and dispute history linked automatically
Why it matters
Nothing falls through the cracks. Every case is visible, prioritized, and on the clock from day one.
Step Two

Evidence Review & AI Analysis

02
The analyst uploads issuer documentation and merchant evidence. The AI reads every file, extracts key data points, checks them against the exact 2026 network rules for the reason code, and identifies precisely what is missing.
AI reads PDFs, images, and documents — not just filenames
Evidence matched to reason-code-specific network requirements
Gap analysis flags missing or irrelevant evidence before submission
Win probability calculated from actual evidence quality
Why it matters
We know exactly what is missing before we submit — not after the issuer rejects it.
Step Three

Rebuttal & Submission

03
The AI drafts a reason-code-aligned rebuttal letter referencing the specific network rule and evidence. The analyst reviews, refines, and approves. One click generates a complete PDF representment packet ready for PSP submission.
Rebuttal built specifically for the reason code — no generic templates
ARN and card last 4 in the rebuttal header
All evidence embedded in the PDF packet
Analyst reviews and approves before anything is submitted
Why it matters
Professional, network-aligned submissions every time. Our builders own the outcome.
Platform capabilities

Five core capabilities built into every case.

Dispute OS is not a reporting tool. It is an operational platform that runs every function of the dispute lifecycle in one place.
01

Evidence analysis

Reads every uploaded file and extracts the data points that matter for the specific reason code filed
02

Gap detection

Identifies exactly what evidence is missing per 2026 network rules before a rebuttal is drafted or submitted
03

Fight vs accept

Calculates net expected value on every case so decisions are financial and data-driven, not reactive
04

Rebuttal drafting

Drafts reason-code-aligned representment letters built directly from current Visa, Mastercard, Amex, and Discover rules
05

Lifecycle tracking

Every case tracked from chargeback through pre-arb and arbitration with urgency flags, deadlines, and outcome recording
Compliance & data standards

Built on current network rules. Strict on data.

Our dispute logic is sourced directly from current card network rulebooks and updated as networks publish changes. Our data practices are strict by design.
Current network rulebooks
Visa — Apr 2026 Mastercard — May 2026 Amex — 2026 Discover — 2026
CE 3.0, VAMP, ECP, and all current reason code standards are embedded directly into the AI analysis engine. Visa Compelling Evidence 3.0 logic is fully implemented — including the TC40 and TC15 VAMP removal benefit for qualifying cases. Updated as networks publish changes.
Data practices
Dispute case details and transaction dataStored
Card last 4 digits onlyStored
Uploaded evidence files (encrypted)Stored
Full card numbers (PANs)Never
CVV / CVC2 codesNever
Cardholder credentials or account accessNever
How Dispute OS supports every engagement
Advisory Dispute OS surfaces pattern analysis, win rate trends, and reason code breakdowns that inform advisory recommendations.
Dispute Operations Every case is processed through Dispute OS — intake, analysis, rebuttal, PDF generation, and lifecycle tracking.
Monitoring Stabilization Merchant-level dashboards track VAMP and ECP ratios. CE 3.0 wins feed directly into ratio improvement.
Risk Function Build Dispute OS becomes the operational foundation — SOPs, workflows, and reporting infrastructure built around the platform.

Have Questions?

Book a 30-minute free consultation.

FAQ

  • We review:

    • Dispute ratios & trends

    • Win rates & evidence quality

    • Fraud leakage & authorization health

    • Monitoring exposure (Visa, MasterCard, acquirer thresholds)

    • Processor 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.

  • We store only what is needed to process disputes on your behalf — case details, cardholder name, card last 4 digits, and uploaded evidence files. We never store full card numbers, CVV codes, or card expiration dates. Evidence files are stored encrypted. Data is never shared with third parties.

  • Most dispute vendors process volume on templates. We build function. Our work is reason-code specific, built on current network rules, and powered by our own proprietary technology. We are operators and builders — not a processing shop.

  • Yes — but our builders lead every case. Dispute OS, our proprietary platform, uses AI to read evidence files, check current network rules, identify gaps, and draft rebuttals. Every output is reviewed and approved by a human analyst before submission. The AI makes our builders faster and sharper. It does not replace their judgment.