The ROI of
Smarter Chargeback Management
Chargebacks Cost Merchants More Than the Disputed Item
$128
45%
48%
$152
average total cost per chargeback (internal + external fees)
of chargebacks are fraudulent (first and third party)
of consumers have mistakenly disputed a legitimate charge
internal cost per dispute for merchants over $1B in revenue
Rising card-not-present volume, subscription billing, and friendly fraud are pushing dispute volumes higher every year, while manual workflows can't keep pace
From Dispute Signal to Recovered Revenue
01
02
03
04
05
Detect Early
AI analyzes transactions and customer behavior to detect anomalies, assess risk, and surface potential disputes
Automatically gathers relevant receipts, communications, and proof from across your systems
Assemble Evidence
AI generated, scheme-compliant responses are submitted through integrated networks
Submit with Confidence
Real-time status tracking and analytics uncover trends and improve win rates
Track & Optimize
Win more disputes, reduce fees, and turn disputes into measurable revenue recovery
Recover Revenue
Merchants Trust Harmonate to Recover More
90%
30-50%
Millions
Recovery Rate (up to)
Reduction in Dispute Costs
Recovered in Disputed Revenue
Turn chargebacks from a cost center into a revenue recovery opportunity
Understand What's Driving Chargebacks Across Your Business
Break down chargebacks by reason category to uncover the real issues behind lost revenue and take action where it matters most
Identify Root Causes
Spot the top reasons behind chargebacks so you can fix problems at the source
Prioritize What Matters
Focus your time and resources on the categories with the biggest financial impact
Recover More Revenue
Data-driven insights help you protect your bottom line
*Data pulled from real use case of a hotel owner/operator across a portfolio of 970 properties from 2022-Today
Total Chargebacks by Reason Category
*
$5.3 million recovered.
That's what a conservative 70% recovery rate delivers on $7.6 million in chargebacks with The Hub.
