Chargeback management & antifraud
Keep disputes low and accounts safe with 3DS, alerts and smart rules.
Chargeback management for adult uses 3DS, fraud rules and dispute alerts to keep the chargeback ratio under the threshold that gets merchant accounts terminated.
Chargebacks are the silent killer of adult businesses. Card networks terminate merchant accounts whose chargeback ratio drifts over roughly 1%, and once you're cut off, getting a new account is slow and expensive. Managing chargebacks isn't a nice-to-have — it's what keeps you in business. The work happens in two places: before the sale and after the dispute.
Prevention before the sale
Most chargebacks are preventable. We add fraud scoring, velocity and device checks to block obvious fraud, 3-D Secure to shift liability and cut 'I didn't authorize this' disputes, and clear, recognizable billing descriptors so customers don't dispute a charge they simply didn't recognize on their statement.
Response after the dispute
For the chargebacks that still come, speed matters. We integrate dispute-alert networks (Ethoca, Verifi) that notify us the moment a customer complains, so we can refund proactively before it becomes a formal chargeback — which protects your ratio even when you lose the individual sale.
Keep the ratio safe
The whole system is tuned to one goal: keep your chargeback ratio comfortably under the processor threshold so your accounts stay open and your funds keep flowing. We monitor the numbers and adjust the rules as your traffic and fraud patterns change.
Frequently asked questions.
What ratio is safe?
We aim to keep chargebacks well under processor thresholds (~1%).
Dispute alerts?
Yes, we integrate alert networks to refund before a chargeback posts.