Card networks start monitoring around a 0.9–1% dispute ratio. Cross the line for a few months and your processor doesn't fine you — it fires you, and possibly MATCH-lists you on the way out. The fix is two moves: cut the chargebacks, and be processing somewhere that won't panic while you do.
A few disputes a month becomes a few a week. Friendly fraud, “item not received,” subscription amnesia — most of it isn't even your fault, but the network counts it all the same.
First it's a monitoring-program letter with fees attached. Then reserve requirements. Then a termination email — and the whole sequence can run in under six months.
You submit evidence, you lose anyway. Without knowing each network's evidence rules, most merchants' dispute responses are dead on arrival.
It usually comes with a MATCH listing under code 04 — excessive chargebacks — which mainstream acquirers treat as radioactive for five years. The cruel part: by the time most merchants take their ratio seriously, they're one bad month from the threshold. Acting at 0.7% is strategy; acting after the termination letter is triage. Both are workable. One is far cheaper.
Merchants in chargeback trouble usually either hunt for a processor who'll “tolerate” their ratio (and find predators), or pour everything into dispute-fighting tools while their nervous processor terminates them anyway. The durable answer is both moves together, sequenced correctly.
First, placement: some processors in our network are structurally built for elevated dispute ratios — they price for it, reserve for it, and don't terminate at the first bad quarter. Being boarded with one buys you the thing you're actually short of: time.
Second, the fix: chargeback alerts that intercept disputes before they count against your ratio, descriptor cleanup so customers recognize the charge, refund-first policies that cost less than disputes, and evidence playbooks for the disputes worth fighting. We'll help you see which of these moves your number fastest — because a placement without a fix just relocates the countdown.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
No, but the order of operations matters now. If you're in a monitoring program, we line up tolerant backup processing first — before a termination strips your leverage — then attack the ratio. If you're already terminated, see our MATCH-list path; it's harder but real.
To the network's math, no — a dispute is a dispute. To the fix, very much yes: friendly fraud responds to descriptor cleanup, purchase confirmation emails, and alert services. Genuine product disputes need different surgery. The survey helps us tell which problem you actually have.
For ratio management, yes — alerts let you refund a dispute before it officially counts, which is exactly what you need while fixing root causes. They cost per-alert and aren't a cure, but as a bridge they're often the difference between keeping and losing an account.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Tell us where your number is and how fast it's moving. We'll map your two-track plan: who should be processing your payments, and what cuts your disputes the fastest.
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