Fraud Investigation & Chargeback
Fraud Investigation & Chargeback Services help businesses identify, investigate, and prevent fraudulent transactions while managing chargeback disputes to minimize financial losses and protect payment processing relationships.
If you operate: A payment processor, e-commerce platform, FinTech, gaming site, high-risk merchant, or any business facing fraud and chargebacks.
What Are Fraud Investigation & Chargeback Services?
Fraud Investigation & Chargeback Services provide:
- Real-time fraud detection and investigation
- Chargeback dispute management and representation
- Evidence gathering and submission
- Root-cause analysis and pattern identification
- Fraud prevention strategy development
- Payment processor relationship protection
Critical for:
- Payment processors and gateways
- E-commerce and marketplaces
- Gaming and sweepstakes platforms
- Digital goods and services
- Subscription-based businesses
- High-risk merchant accounts
Who Needs Fraud Investigation & Chargeback Services?
Payment Processors & Gateways
Why you need it:
- Managing merchant fraud exposure
- Maintaining low chargeback ratios
- Protecting payment network relationships
- Avoiding excessive chargeback penalties
E-Commerce & Marketplaces
Why you need it:
- Credit card fraud prevention
- Account takeover detection
- Chargeback dispute resolution
- Customer verification challenges
Gaming & Sweepstakes Platforms
Why you need it:
- Bonus abuse and fraud
- Friendly fraud disputes
- High chargeback volume management
- Payment processor compliance
FinTech & Digital Wallets
Why you need it:
- Identity theft prevention
- Synthetic identity fraud
- First-party fraud detection
- Transaction dispute resolution
Subscription & SaaS Businesses
Why you need it:
- Subscription fraud
- Free trial abuse
- Friendly fraud (“I didn’t authorize”)
- Recurring billing disputes
High-Risk Merchants
Why you need it:
- Elevated fraud exposure
- Strict chargeback thresholds
- Payment processor monitoring
- Account termination risk
Why Fraud Investigation & Chargeback Services Matter
Financial Impact
Losses from fraud include:
- Chargebacks (lost revenue + fees)
- Fraudulent transactions
- Penalty fees from payment processors
- Inventory/product loss
- Operational investigation costs
Payment Processor Relationships
High chargebacks cause:
- Increased processing fees
- Reserve requirements
- Transaction holds
- Account termination
- Difficulty finding new processors
Merchant Account Stability
Excessive chargebacks lead to:
- Placement on MATCH list (Terminated Merchant File)
- 5-year ban from payment processing
- Inability to accept credit cards
- Business closure risk
Customer Experience
Proper fraud management:
- Reduces false declines
- Improves legitimate customer approval
- Enhances trust and satisfaction
- Decreases customer friction
Compliance & Regulatory
Requirements include:
- PCI-DSS fraud prevention standards
- Card network compliance rules
- State consumer protection laws
- AML transaction monitoring
Types of Fraud We Investigate
Types of Fraud
- Card-Not-Present (CNP) Fraud
- Account Takeover (ATO) Fraud
- Friendly Fraud (First-Party Fraud)
- Promotion & Bonus Abuse
- Return Fraud & Refund Abuse
Our Fraud Investigation Process
Step 1: Initial Alert & Triage
We receive:
- Fraud alerts from monitoring systems
- Chargeback notifications
- Suspicious activity reports
- Customer dispute claims
Step 2: Evidence Collection
We gather:
- Transaction records and timestamps
- Customer account information
- IP addresses and device data
- Email and phone communications
- Delivery tracking and signatures
- Product/service usage logs
- Previous transaction history
Step 3: Fraud Analysis & Investigation
We analyze:
- Transaction patterns and anomalies
- Customer behavior deviations
- Device and location consistency
- Velocity and frequency checks
- Cross-reference with fraud databases
- Payment instrument validation
Step 4: Chargeback Dispute Preparation
We prepare:
- Compelling evidence packages
- Chargeback reason code responses
- Supporting documentation
- Rebuttal letters
- Timeline reconstruction
Step 5: Root-Cause Analysis
We identify:
- Common fraud patterns
- Systemic vulnerabilities
- Process weaknesses
- Prevention opportunities
Step 6: Fraud Prevention Strategy
We implement:
- Enhanced verification procedures
- Real-time fraud scoring
- Rule-based blocking
- Manual review triggers
- Customer communication protocols
Step 7: Reporting & Monitoring
We provide:
- Monthly fraud and chargeback reports
- Trend analysis and insights
- Win rate tracking
- Financial impact summaries
- Prevention effectiveness metrics