Chargeback Defence

Boost Your Chargeback Win Rate

Most merchants lose the majority of their disputes because they lack compelling evidence. SHA-512 certified packing records change the equation, giving payment processors the proof they need to rule in your favour.

Why Most Merchants Lose Disputes They Should Win

Industry data shows merchants successfully defend only 20–30% of chargebacks on average. The gap between legitimate orders fulfilled correctly and disputes actually won represents significant preventable revenue loss.

Evidence That Processors Dismiss

Unstructured photos, screenshots, and email threads rarely meet the evidentiary standard payment processors require. Without verifiable metadata, your proof carries little weight in the representment process.

Low Success Rates Drain Resources

When fewer than one in three disputes results in a favourable outcome, teams spend hours preparing cases they are statistically likely to lose. The cost of fighting often exceeds the transaction value itself.

No Way to Prove Evidence Integrity

Even when merchants have photos of packed orders, processors have no way to verify those images were captured at the time of fulfilment rather than staged after a complaint was filed.

Time Limits Force Incomplete Responses

Chargeback response windows are tight—often 7 to 30 days. Without an organised evidence system, teams scramble to locate records across email chains, shared drives, and phone camera rolls, frequently missing deadlines entirely.

Why Dispute Outcomes Remain So Poor

No Standard of Proof for Fulfilment

Unlike delivery confirmation, there is no widely adopted standard for proving what was actually packed. This leaves merchants with a gap between shipping a parcel and proving its contents.

Manual Evidence Is Inherently Unverifiable

Phone photos and handwritten checklists lack embedded cryptographic verification. Processors cannot distinguish genuine evidence from images created after the fact, so they default to siding with the cardholder.

Fragmented Record-Keeping

Packing records, shipping labels, and customer communications live in separate systems. Assembling a cohesive case for each dispute requires cross-referencing multiple platforms under tight deadlines.

Representment Requires Specific Evidence Types

Card networks like Visa and Mastercard have defined evidence categories for representment. Generic fulfilment records rarely map cleanly to these categories, weakening the merchant's position.

Volume Makes Individual Case Preparation Impractical

High-volume sellers may face dozens of disputes weekly. Without automated evidence capture, preparing a strong response for every case is operationally impossible.

How Certified Evidence Shifts the Odds

When every order has a tamper-proof, timestamped video record sealed with a cryptographic hash, the quality of your representment evidence changes fundamentally.

Processor-Grade Proof for Every Order

Each packing session is recorded on video and sealed with a SHA-512 hash and immutable timestamp. This gives processors independently verifiable evidence that the correct items were packed at the recorded time.

Faster Case Preparation

Evidence is indexed by order number and instantly retrievable. Instead of spending 20–30 minutes assembling a case, your team can pull a complete certified record in seconds.

Higher Success in Representment

Certified video evidence directly addresses the most common reason processors reject merchant responses: inability to prove the evidence is authentic and contemporaneous with fulfilment.

Deterrence Through Visible Documentation

When customers know their orders are recorded and certified, fraudulent claims and friendly fraud drop measurably. Prevention is more cost-effective than even the most successful dispute process.

How to Build Stronger Dispute Responses With PackProof

1

Record Every Order at the Packing Station

Set up PackProof at each packing station to capture video of the fulfilment process. The system records items being checked, packed, and sealed, linked to the order number.

2

Automatic Certification and Storage

Each recording is immediately hashed with SHA-512 and given an immutable timestamp. The sealed evidence is stored securely in the cloud, creating a chain of custody that processors can independently verify.

3

Retrieve Evidence Instantly When Disputes Arrive

When a chargeback notification comes in, search by order number to pull the certified packing record. The complete evidence package—video, hash certificate, and timestamp—is ready to attach to your representment response.

4

Submit Verifiable Proof to the Processor

Include the certified evidence in your representment filing. The SHA-512 hash and timestamp demonstrate the recording has not been altered since capture, directly addressing processor requirements for authentic, contemporaneous proof.

Frequently Asked Questions

Start Winning More Disputes Today

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