What is real time re-presentment?

At Chargeblast, we can stop chargebacks before they happen using Visa’s Compelling Evidence 3.0 and Mastercard’s First Party Trust. These programs prevent disputes from turning into chargebacks by providing proof that a legitimate transaction took place.

How It Works

When a customer calls their bank to dispute a purchase, Chargeblast automatically submits key evidence that forces the bank to deny the chargeback. Instead, the bank must either close the dispute with the customer or absorb the loss themselves.

To qualify, the following proof is typically required:

1. Cardholder's IP address (other data points may also be needed)
2. Three previous orders from the same cardholder, each older than 120 days
3. The dispute must be initiated under reason code fraudulent
    

Why This Matters for Your Business

With real-time chargeback prevention, you get:

1. No chargeback fees – you keep 100% of the transaction value
2. No dispute rate increase – helps you maintain a healthy fraud ratio
3. Fewer chargeback alerts – reduces cost of chargeback alerts

For merchants who frequently face friendly fraud (first-party fraud), this service is essential. If you process a high volume of disputes with qualifying evidence, Chargeblast’s real time re-presentment can help protect your revenue and dispute rate.

Pricing & Cost Savings

Chargeblast charges 15% of any prevented dispute, meaning you only pay when a chargeback is successfully stopped. Since the dispute is blocked before escalating into a chargeback, you avoid chargeback fees entirely, keep your revenue, and prevent your dispute ratio from rising. This is far better than winning a chargeback after escalation, as those disputes still count against your dispute ratio and can lead to penalties, reserve requirements, or even account shutdowns.

For merchants subscription merchants on Shopify who frequently face friendly fraud (first-party fraud), this service is essential.

Interested in getting started? Set up our digital receipts feature, which serves as the backend for realtime re-presentment.