What Is Chargeback Management Software?
Chargeback management software is a tool that helps merchants who accept credit and debit card payments reduce the risk of fraud and disputes that result in chargebacks. It works by monitoring, logging, and flagging transaction data, and in some cases provides chargeback dispute resolution features to speed up the process.
Beyond detection, chargeback management software also helps businesses proactively prevent fraudulent transactions and efficiently challenge chargeback claims. Since merchants ultimately absorb the cost of every chargeback, minimizing them is crucial, especially because even a simple refund is less expensive than dealing with a chargeback.
List of Chargeback Management Software Tools
The chargeback protection vendors we present below implement different approaches to chargeback management. Remember that there is no one-size-fits-all. Make sure you keep your specific needs in mind when choosing the right tool for your company.
1. SEON
SEON helps businesses prevent and recover chargebacks through AI-powered automation. Designed to reduce manual work, SEON unites fraud prevention and chargeback management in one platform, helping you stop losses before they start and recover more revenue with data-driven precision.
Instead of relying on chargeback guarantees that limit growth, SEON’s automated chargeback management lets you block fraudsters without over-filtering real customers, keeping genuine orders flowing and protecting your bottom line.
SEON automates the full chargeback process: once a chargeback is received, it collects and enriches data, builds a compliant case, and submits evidence automatically, helping teams resolve disputes more efficiently and recover more revenue.
See how SEON’s chargeback management solution is used in practice here.
How Bilt Reduced Chargebacks
“SEON’s incredibly flexible rule writing and ease of launch allow us to respond quickly to emerging fraud threats.”
2. Sift
Sift is a full fraud prevention platform that also includes a chargeback management module, added through its acquisition of Chargeback.com. This gives merchants both chargeback prevention and real-time dispute resolution in one place.
Key features include evidence management, integrated workflows with processors, detailed chargeback categorization and analysis of fraud-related revenue impact. Together, these tools help businesses understand the causes of disputes, streamline responses and balance fraud prevention with customer conversion.
3. Chargebacks911
Chargebacks911 equips merchants with the tools needed to manage post-chargeback disputes, including centralized evidence collection, standardized templates and clear tracking of outcomes.
Its key features include chargeback prevention through order validation and compliance checks, full dispute management with evidence submission and monitoring, and affiliate fraud detection to stop bad traffic that leads to chargebacks.
4. Verifi
Verifi provides fast, issuer-connected chargeback management with resolution times averaging just 24 hours. Backed by Visa, it focuses heavily on dispute resolution rather than prevention, making it ideal for merchants needing immediate relief from chargeback backlogs. Its Cardholder Dispute Resolution Network (CDRN) enables direct collaboration between merchants and issuers to resolve disputes before they become chargebacks.
Key features include Order Insight for real-time transaction clarity, a multi-party collaboration network, automated pre-dispute resolution, issuer dispute tools, and analytics to uncover dispute patterns.
5. ChargebackGurus
ChargebackGurus emphasizes chargeback prevention first, using early alerts and merchant-specific risk rules to stop disputes before they escalate. Its recovery service is handled by dedicated experts who manually review and manage claims on the merchant’s behalf. While it requires sharing settlement and fee data, it’s a strong fit for high-risk businesses that must quickly reduce dispute ratios.
Core capabilities include root-cause analysis to identify why chargebacks occur, end-to-end dispute handling with evidence preparation, and partnerships with Ethoca and Verifi for instant alerts.
6. MiDiGATOR
MiDiGATOR, now part of Equifax, delivers a real-time chargeback management system built by ecommerce merchants who needed a more responsive solution. The platform automates dispute responses, generating tailored evidence packages based on processor and card-network requirements.
Its rules-based engine customizes responses by chargeback type, improving win rates. Merchants benefit from data sharing with issuers to resolve customer misunderstandings, chargeback ratio monitoring for network compliance, and plug-and-play integrations that simplify onboarding and help teams manage disputes more efficiently.
7. ChargebackOps
ChargebackOps functions more like a specialized chargeback operations team than a traditional software platform. It embeds dedicated dispute professionals into a merchant’s workflow, acting as an extension of their fraud or payments team.
Using proprietary internal tools, ChargebackOps prepares processor-compliant responses, manages the entire dispute lifecycle, and tracks outcomes. Additional services include compliance reviews to ensure documentation meets network rules and one-on-one guidance for businesses navigating complex or high-volume disputes.
8. Quavo
Quavo’s QFD Automated Dispute Management Software is a cloud-based chargeback system designed for banks and financial institutions that prioritize compliance and automation. QFD manages the full lifecycle of disputes, from intake and routing to resolution and reporting.
It integrates with fraud detection tools to prevent high-risk transactions from becoming disputes, automates evidence gathering, and enhances transparency with proactive cardholder communication. Predictive analytics help institutions forecast dispute trends and strengthen prevention strategies, making it a highly structured option for regulated financial products.
9. Kount
Kount offers a unified fraud and chargeback management platform built to protect card-not-present (CNP) transactions and reduce operational burden. Its system compiles transaction, behavioral and customer data to create strong evidence packages for disputes, improving recovery rates. \
Kount also integrates merchant and processor data flows to streamline collaboration and prevent future disputes. With its Identity Trust Global Network™, the platform distinguishes trusted customers from fraudsters at scale, helping merchants block risky transactions, avoid unnecessary declines and strengthen overall dispute readiness.
How to Choose Chargeback Management Software
As with any other kind of third-party software, there are key points to consider when it comes to chargeback management and related solutions to prevent chargeback fraud:
- Features: Double-check that the software can do everything you need it to. Some solutions are better suited to fraud management, while others are better for managing disputes (for instance).
- Integration: How you deploy the software could play a huge role in your decision, as we explored in the different types of integrations available above.
- Onboarding Support: Does the vendor offer extra help to get started? Is this support free or paid?
- Ongoing Support: Does the vendor manage disputes for you if they occur? Or are you responsible for collecting evidence for the case?
- Pricing: There tend to be two schools of thought here. Some vendors offer a flat monthly fee with a chargeback guarantee. Others charge a small percentage of every checked transaction. There are benefits to each model, but there is also a potential conflict of interest in chargeback guarantees.
Chargeback management software is designed to protect your business from fraud, enable you to process more payments with peace of mind, and ensure you are protected in case of a dispute.
However, no two companies offer exactly the same features. We hope this post clears things up when you’re looking for a way to reduce chargeback rates, understand what causes them, and discover how to stop them from happening in the first place.
FAQs
SaaS companies can use chargeback management software tools that combine fraud detection, payment monitoring, and automated dispute resolution. These tools identify suspicious transactions before they’re processed, reduce friendly fraud, and streamline evidence collection to recover lost revenue efficiently.
Chargeback management software should give you access to as much transaction and customer information as possible. The information should give you the confidence to make an informed decision about blocking or accepting a payment.
The fastest way to set up chargeback prevention and dispute automation is by using AI-driven chargeback management software tools. These tools automate detection, evidence collection, and dispute submission from start to finish, helping businesses prevent fraud, reduce manual work, and recover chargebacks more efficiently.
