Scattered portals
Each processor has its own dashboard, format and deadline. Cases slip through the cracks between them.
Chargebacks
Your processors.
One queue. Better answers.
Chargeback management software collects disputes from your payment processors into one queue, links each to its order, gathers the evidence and submits the response before the deadline. Verdikx does this for Shopify Payments and Stripe, with Braintree, Adyen, Checkout.com and others in beta, plus chargeback notices from any processor or bank by email or CSV.
Part of one platform
One step of the lifecycle. All of it covered.
Verdikx handles prevention and chargeback recovery on the same order record, from checkout to chargeback and after.
- 01Before it ships
Screen every order
On Growth and Pro, a 0–100 risk score with plain-English reasons on every new order after it is placed: IP and device velocity, card testing, account takeover, repeat disputers, chargebacks linked from other orders, IP intelligence, your blocklists and rules, and Verdikx Network history. Risky orders are held before fulfilment; you decide.
- 02As it happens
Capture the evidence
Tracking, store policies, customer messages, checkout signals and order history are saved to the order's evidence vault as they happen, not rebuilt later.
- 03Before it's a chargeback
Stop it early
Stripe early fraud warnings land in one inbox, so you can refund within your limits before they turn into chargebacks. Card-network alerts (Visa RDR, Mastercard Ethoca) coming soon.
- 04When it lands
Fight it with facts
One queue for nine processors (some in beta) plus emailed or CSV notices. Each case gets a reason-code checklist, an AI draft that cites your records and a PDF evidence packet, submitted by you, or by Autopilot where the processor allows it.
- 05After
Learn and protect
Refund-abuse scores and returns recommendations before the refund goes out, a daily chargeback-ratio check that warns you as it climbs, and a Results dashboard with win rates, recovered revenue and what you kept, by processor and reason.
The problem
Disputes are lost long before the bank decides.
Evidence lives everywhere
Tracking in one tool, messages in another, policies on the storefront. Assembling it by hand takes hours per case.
Generic responses lose
Banks decide by reason code. A one-size template ignores what actually wins each dispute type.
How Verdikx solves it
Evidence assembled, argued and submitted for you.
01
Unified dispute queue
Imported from each processor and from forwarded notices, automatically linked to the original order in your store.
02
Win playbooks
A live checklist of what wins each Visa, Mastercard, Amex and Discover reason code, filled from your records.
03
AI drafts and contradiction finder
A response grounded only in recorded facts, plus the evidence that contradicts the cardholder's claim. You approve each finding.
04
Submit where it counts
Straight to the processor's API from the case wherever it has one, with Visa Compelling Evidence 3.0 when prior orders qualify.
Case dp_9F2 · Stripe13.1 not received
Carrier delivery scanUPS · Delivered · 3:42 PM · Brooklyn
MetCustomer communication“Fits great, thanks!”
MetPrior undisputed ordersVisa CE 3.0 · 2 qualifying
MetSubmitted to Stripe48h before deadline
WonSample data
Use cases
Every dispute type, argued the way banks decide.
Item not received
Tracking, delivery records and address matches, front and centre.
Fraudulent / unauthorised
Device, IP and prior-order history, including Visa CE 3.0.
Not as described
Product pages, policies and the customer's own messages.
Subscription cancelled
Cancellation timing and terms from Recharge and Skio.
How a case moves through Verdikx
Verdikx is a fraud, chargeback and dispute platform for e-commerce and SaaS merchants, built by Verdikx LLC. Dispute management works the same way for every source:
- The dispute arrives. Shopify Payments disputes arrive automatically, connected processors sync on their own schedule, and forwarded emails or CSV uploads become cases too.
- It's linked to the order. Verdikx suggests matches by payment reference, email, amount and date, so the packet can include fulfillment, tracking, policies and conversations.
- The playbook shows what wins. Each reason code has a checklist marked Available, Partial or Missing from your records.
- You review a draft. The AI draft cites the record behind each paragraph. The contradiction finder surfaces records that contradict the cardholder's claim; you approve each one. On Starter, AI drafts and the AI claim check cover 10 cases a month; Growth and Pro are unlimited with fair use.
- The packet is built. One PDF with your response, order and payment records, delivery proof, policies, refunds and conversations.
- You submit, or mark it sent. Straight to the processor's API where it has one; otherwise download the packet and mark it sent. Nothing is ever accepted on your behalf.
- The outcome is tracked. Results show money recovered, win rate by processor and reason, and a CSV export.
What to check in any chargeback management tool
- Which processors it imports from and submits to, and which are live versus beta.
- Whether it links disputes to the order record automatically.
- Whether responses follow each network's reason code.
- Whether you approve what is submitted, and whether automation has limits you set.
- Whether pricing is a flat subscription or a share of what you win.
Verdikx is a flat subscription: Starter $29/month, Growth $79/month, Pro $199/month, yearly saves 20%, each with a 7-day free trial. To cut the number of disputes first, see how to prevent chargebacks.
| Source | Status | Plan | How you respond |
|---|---|---|---|
| Shopify Payments | Live | Starter and up | Submit to Shopify where approved for your store; otherwise submit the packet in Shopify admin and mark it sent |
| Any processor or bank (email forwarding or CSV) | Live | Starter and up | Download the packet, send it as the notice instructs, then mark it sent |
| Stripe | Live | Growth and up | Submit from the case |
| Braintree, Checkout.com | Beta | Growth and up | Submit from the case |
| Adyen | Beta | Growth and up | Choose a defense reason and submit from the case |
| Klarna, Afterpay / Clearpay | Beta | Growth and up | Respond from the case |
| Authorize.net, Cybersource, Mollie, Rapyd, Affirm, Primer | Beta | Growth and up | Import into the queue; send the packet in the processor's portal and mark it sent |
| Worldpay, Airwallex | Beta | Growth and up | Packet uploaded from the case when you confirm |
| WooPayments (via WooCommerce) | Beta | Pro | Submit from the case |
| PayPal, Square | Coming soon | Forward notices by email or CSV until the direct connections open |
Beta: fully built and supported. Shopify Payments direct submission depends on Shopify's approval for your store.
Frequently asked questions
What is the difference between chargeback management and chargeback prevention?
Prevention stops disputes before they are filed: order screening, early fraud warnings, clear descriptors and delivery updates. Management handles the disputes that still arrive: collecting them, building evidence and responding before the deadline. Verdikx does both; prevention is covered on its order screening page.
Does Verdikx take a percentage of recovered chargebacks?
No. The self-serve plans are flat subscriptions: Starter $29, Growth $79 and Pro $199 a month, with yearly billing saving 20% and a 7-day free trial.
What does beta mean for a processor connection?
Beta connections are fully built and supported, and are now opening to their first merchants, so we work closely with every merchant who connects one. Shopify Payments, Stripe and email, CSV and API intake are generally available.
Can Verdikx manage PayPal disputes?
The direct PayPal connection is coming soon. Until it is available, you can forward chargeback notices from any processor or bank to your private Verdikx address so they become cases, then send the packet yourself and mark it sent.
Does Verdikx guarantee I'll win disputes?
No. Banks and card networks decide disputes. Verdikx builds the strongest response your records support, never invents evidence, and shows each claim's source so you can review it before anything is submitted.
Last reviewed by Verdikx Research.
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