● card rail restored 4.5h ✓● order reconciled $437.49 ✓● early-fraud refunded $128.00 ✓● ACH debit cleared $193.91 ✓● MID failover armed 0ms ✓● settlement matched $1,204.00 ✓● chargeback pre-empted $0.00 ✓● reserve variance flagged $5,900.00 ✓● card rail restored 4.5h ✓● order reconciled $437.49 ✓● early-fraud refunded $128.00 ✓● ACH debit cleared $193.91 ✓● MID failover armed 0ms ✓● settlement matched $1,204.00 ✓● chargeback pre-empted $0.00 ✓● reserve variance flagged $5,900.00 ✓
Dispute-guard suite
Three layers that kill a chargeback before it exists — authorise-and-void, pre-emptive refund, and early-fraud auto-refund.
The cheapest dispute is the one that never happens
A chargeback you win still costs the fee, the ratio, and the acquirer's patience. This suite stops three classes before they land.
The three layers
- Capture gate — authorise, risk-score, and void the risky tail before it settles.
- Pre-emptive refund — score every charge on risk, AVS/CVV, velocity, geo and disposable-email, and refund the ones that would chargeback.
- Early-fraud auto-refund — listen for the processor's early-fraud warning and full-refund before it becomes a dispute.
Detection plus action
We terminate what shouldn't be processing rather than just flagging it. Detection without action is the documented aggravator — we won't be it.