Chargeback Protection
Stop Chargebacks Before They Happen
Chargebacks cost more than the transaction amount—there are fees, lost merchandise, and account health damage. Midigator integration prevents chargebacks before they happen and wins disputes when they occur.
Understanding Chargeback Protection
Chargebacks are one of the most frustrating and costly problems merchants face. A single chargeback can cost $50-100 in fees on top of the transaction amount and lost merchandise. Worse, high chargeback ratios can lead to account termination, reserve holds, and blacklisting from payment processing entirely.
Unison Payment Solutions partners with Midigator, the industry-leading chargeback management platform, to provide comprehensive protection that addresses chargebacks at every stage: prevention, alerts, and dispute resolution.
Prevention is the first line of defense. By analyzing transaction patterns, identifying high-risk orders, and implementing fraud detection, we stop chargebacks before they happen. Clear billing descriptors, proper authorization procedures, and customer communication all reduce the chances a transaction becomes a dispute.
Chargeback alerts are game-changing technology. When a customer disputes a charge with their bank, you typically don't know until the chargeback is already filed. Alert networks notify you when a dispute is initiated, giving you 24-72 hours to issue a refund before it becomes a formal chargeback. You lose the sale but avoid the fee and ratio impact.
When chargebacks do occur, strong dispute response is essential. Midigator automates evidence gathering and response submission, dramatically improving win rates. The difference between amateur responses and professional dispute management can be the difference between a 20% and 60% win rate.
Together, these tools typically reduce chargeback ratios by 40-60%, protecting your merchant account health and saving thousands in fees and lost revenue.
Key Benefits
What Chargeback Protection means for your business.
How It Works
Integration Setup
Connect your payment processing and Midigator. We handle technical setup and ensure all data flows correctly.
Alert Enrollment
Enroll in chargeback alert networks (Ethoca, Verifi) to receive early warning when disputes are initiated.
Prevention & Monitoring
Prevention tools analyze transactions; monitoring catches issues early. Dashboard shows real-time chargeback activity.
Dispute Management
When chargebacks occur, automated evidence gathering and response submission fight to recover revenue.
What's Included
Chargeback Alerts
Get notified when customers initiate disputes, giving you 24-72 hours to refund and prevent the chargeback. Saves fees and protects your ratio.
Prevention Analytics
Identify patterns causing chargebacks: product issues, fulfillment problems, or friendly fraud. Address root causes before they escalate.
Automated Dispute Response
Midigator gathers transaction evidence automatically and submits professional dispute responses. Higher win rates with less manual work.
Win Rate Optimization
Analyze dispute outcomes and continuously improve response strategies. Expert templates and guidance increase your success rate.
Real-Time Dashboard
Monitor chargeback activity across all processors in one place. See trends, track outcomes, and manage disputes efficiently.
Fraud Prevention
Identify high-risk transactions before they cause chargebacks. Velocity checks, device fingerprinting, and behavioral analysis.
Pricing Overview
Transparent pricing for your business.
Alert Fees
Per-alert pricing, typically $15-40 per alert received
Midigator Platform
Monthly subscription based on transaction volume
Bundle Options
Combined prevention + alerts + management packages available
Contact us for custom pricing based on your specific needs and volume.
Chargeback Protection FAQs
What is a chargeback alert?
When a customer disputes a charge with their bank, alert networks (Ethoca, Verifi) notify you before it becomes a formal chargeback. This gives you 24-72 hours to issue a refund. You lose the sale but avoid the $50-100 chargeback fee and the negative impact on your chargeback ratio.
How much do chargebacks really cost?
Each chargeback costs $15-100 in direct fees, plus the transaction amount, plus any merchandise not recovered. High ratios can trigger reserve holds, rate increases, and account termination. The true cost of a chargeback often exceeds 2x the transaction amount.
What's a healthy chargeback ratio?
Card networks expect ratios below 1% of transactions. Visa flags merchants at 0.9%. Best-in-class merchants maintain ratios of 0.3% or lower. Our clients typically achieve significant reductions from their baseline with our prevention tools.
Can you guarantee chargeback elimination?
No one can eliminate chargebacks entirely—some are legitimate. But we typically reduce chargebacks by 40-60% through prevention and alerts, and improve dispute win rates significantly. The combined effect protects your revenue and account health.
Do I need chargeback protection if I have low chargebacks?
Prevention is easier than recovery. Even low-chargeback merchants benefit from alerts and analytics. And if something changes—a product issue, fraud ring, or service problem—you want protection in place before chargebacks spike.
What industries have the highest chargebacks?
eCommerce, subscription services, travel, digital goods, and high-risk industries typically see higher chargebacks. But even "low-risk" businesses face friendly fraud and service disputes. Protection is valuable across industries.
Services That Pair Well
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