Chargeback Stabilization & Fraud Operations for Every Stage of Growth

We help SMBs, 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 SMBs, digital businesses, and brick-and-mortar merchants 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
05

SMBs & Growing Merchants

Small and mid-sized businesses that lack internal dispute resources but deserve professional-grade operations. Our Advisory Support gives lower-volume merchants expert guidance and structure at an accessible entry point. For SMBs ready for full execution, Dispute Operations — powered by Dispute OS — brings enterprise-level dispute handling to businesses of any size.

Manual handling No internal function Rising dispute pressure First dispute function
Best fit for SMBs, growing merchants, and established platforms with rising dispute complexity, 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 Cost Calculator

See what disputes are really costing you

Move the sliders to match your business. We'll do the math.

Your disputes

50

How many chargebacks land on your desk in an average month.

$150

The typical dollar amount of a disputed order.

$20

What your payment processor charges you when a dispute is filed.

15%

Share of disputes that go past the first round and escalate further.

Your team's time

2

How many people on your team touch disputes, even part-time.

30 min

How long it takes someone on your team to research and respond to one case.

$40/hr

Fully-loaded hourly cost of whoever handles disputes (wage, taxes, benefits).

Disputed revenue

$7,500

Revenue tied up in disputes each month

Team time cost

$1,000

What your team's hours on disputes actually cost you — this is usually the fastest place to see ROI.

25 hrs/month across 2 team members — about 14% of a full-time role each

Total monthly cost

$8,987

Disputed revenue plus processor, escalation, and team time costs

Potential monthly savings

$3,595

What Landeros clients typically recover, driven by:

  • Stronger, evidence-backed responses that win more disputes
  • Fewer cases escalating to costly pre-arbitration
  • Less staff time spent researching and filing each case

Projected savings represent avoided losses, not new revenue, and assume dispute volume is reduced before it happens rather than recovered after the fact. Estimate excludes monitoring program penalties, reserve impacts, and processor pricing changes.

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.

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
Dispute OS

AI-powered dispute management — built for merchants who want to fight smarter.

Dispute OS is our proprietary platform that puts professional-grade dispute operations in your hands. Input the case, upload your evidence, and get a network-aligned analysis, evidence gap report, and rebuttal draft — in seconds. No generic templates. No guesswork.
Built in-house — not licensed, not outsourced
Flat monthly pricing — no success fees
Access by invitation
AI analysis in seconds
Every case analyzed against current network rules for the specific reason code filed. Know where you stand before you respond.
Evidence gap detection
The platform identifies exactly what evidence is missing before you submit — not after the issuer rejects it.
Rebuttal drafts — ready to submit
Reason-code specific representment letters drafted automatically. Your team reviews, refines, and submits. No starting from scratch.
Fight vs Accept calculator
Every case scored with a net expected value calculation. Decisions stay financial and data-driven, not reactive.
Win probability scoring
Know your odds before you commit resources. Every case rated based on evidence strength and network standards.
Strict on data
No full card numbers. No CVV codes. No cardholder credentials. Ever. Only what is needed to process your disputes — nothing more.

Starter plans from $149/month.

Up to 20 disputes/month. No contracts. Cancel anytime.

See Plans & Pricing → Access by invitation — onboarded personally.
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 *
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.

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.

  • Yes. You don't need to be processing thousands of disputes a month to work with us.

    For lower-volume merchants, our Advisory Support engagement provides expert guidance, dispute strategy, and structured recommendations at an accessible entry point — without full operational overhead.

    For SMBs ready for full execution, Dispute Operations — powered by Dispute OS — brings enterprise-level dispute handling to businesses of any size. Our AI processes the evidence, checks current network rules, and drafts the rebuttal. Our builders review and approve. The result is professional-grade dispute operations without the need for an internal team.

    If disputes are costing you time and money without a clear process behind them, we can help.

  • 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.

  • Yes — Landeros Dispute OS is available as a standalone SaaS product for merchants who want to handle disputes themselves. You get the same AI-powered analysis, evidence gap detection, win probability scoring, and rebuttal drafting our team uses internally — without the managed service. Plans start at $99/month with no contracts and no success fees. Visit our Dispute OS page to learn more or request access.