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

Who We Work With

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

Landeros Solutions partners with digital businesses 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

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 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

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.