Defend revenue,
prevent chargebacks.

When a customer calls their bank to dispute a charge, warning systems intercept the dispute before it becomes a formal chargeback. The alert network notifies the merchant, who has 24 to 72 hours to issue a refund. Resolving the dispute early means no chargeback fee is charged and your merchant chargeback ratio remains unaffected.

3D Secure 2 (3DS2) shifts the liability of fraudulent transactions from the merchant to the cardholder's issuing bank. However, forcing 3DS2 on every transaction can hurt conversion. We help you design dynamic rules that only route suspicious or high-ticket transactions through full 3DS2 checks while letting trusted payments flow friction-free.

Visa and Mastercard run monitoring programs for merchants with chargeback ratios exceeding 0.9% or 1%. Being placed in these programs leads to high monthly fines, audits, and ultimately, account closure. We work with merchants to rapidly lower dispute ratios using alerts and risk filters to protect their processing setup.

Yes. Modern chargeback representation tools hook directly into your order logs, delivery updates, and checkout agreements to compile comprehensive evidence documents. These are automatically submitted to card networks, yielding a significantly higher dispute win rate than manual replies.

Consultation with IceTree is completely free. The alerts and chargeback fighting networks charge a flat fee per dispute alert or a percentage of won funds. Because they suppress expensive chargeback fines and protect your merchant accounts, they typically deliver a substantial net positive return on investment.