Chargeback Collection & Recovery

Live. Recover money lost to chargebacks and card disputes, for merchants, agencies and cardholders: per case the dispute family (Visa, Mastercard, Amex, Discover reason codes), processor / network / pre-arbitration response deadlines, evidence strength and what is missing, representment angles (3-D Secure, Visa Compelling Evidence 3.0, delivery and usage proof, accepted terms, refund proof), the path (represent, accept and recover directly, accept, stop) and compliance-aware friendly-fraud recovery outreach (FDCPA / Reg F, first-party state law or commercial). Cardholder side: Reg Z / Reg E and network windows, liability caps, a dispute letter and escalation steps. Not legal advice.

For merchants, subscription businesses, collection agencies, debt buyers and any personal or business bot recovering money from card disputes: send as_of (YYYY-MM-DD), role (merchant default, or cardholder) and up to 500 cases (case_ref, network, reason_code or reason_family, stage inquiry / first_chargeback / pre_arbitration / arbitration / lost / won / accepted, amount, chargeback_fee, transaction_date, chargeback_date, processor_due_date or processor_response_days, collector first_party / third_party_agency / debt_buyer / attorney, customer_type, state, plus yes/no facts: three_ds_authenticated, prior_undisputed_transactions, avs_cvv_match, device_or_login_match, delivery_proof, signature_on_delivery, digital_or_service_used, terms_accepted, recurring_terms_disclosed, cancellation_before_charge, refund_issued, item_returned, charges_were_separate_purchases, authorization_approval_on_file, amount_matches_authorization, customer_contacted_merchant_first, customer_admits_purchase, cardholder_claims_fraud, identity_theft_report, customer_in_bankruptcy, customer_has_attorney, debt_disputed_in_writing, agreement_allows_chargeback_fee, plan_to_recharge_card, new_payment_authorization, customer_paid_directly; cardholder cases add account_type credit / debit / prepaid, statement_date, learned_of_loss_date, expected_delivery_date, dispute_filed_date, issuer_decision, merchant_contacted, receipt_or_order_on_file, cancellation_proof, return_proof, purchase_in_state_or_within_100_miles). Returns per case the deadlines and days left, evidence on file and missing, representment angles, path, recovery plan and recoverable amount (fees only when the agreement allows), outreach regime, opener, do / don't list and escalation (no card re-charge without a new authorization, no double recovery, no criminal threats; stops for bankruptcy, identity theft reports and represented customers), or for cardholders the Reg Z billing-error / claims-and-defenses or Reg E error-resolution and liability tiers, gather list, dispute letter and next steps; plus a summary (by path, by flag, urgent cases, amounts to represent, recover, accept or dispute). No names, phones, emails, addresses, card numbers or ARNs; nothing stored. Network and processor rules change and the processor notice governs; not legal advice.

Price: $0.002 per record after 1,000 free per month.

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