From the moment a cardholder contacts their bank, to the final rebuttal submitted to the card network — CB6ix covers every stage.
Intercept disputes before they become chargebacks via CDRN, RDR and Ethoca.
Push real-time transaction data to issuers and cardholders to stop disputes before they escalate.
Build the case, submit the evidence, win back revenue. 40–60% win rate.
Surface fraud and dispute signals after authorization — act before risk becomes a loss.
CDRN · RDR · Ethoca
When a cardholder contacts their bank to dispute a transaction, an alert fires before a formal chargeback is ever filed. CB6ix receives that alert and resolves the dispute — via refund, fulfilment stop, or challenge — before it can touch your ratio or trigger a chargeback fee.
With a +90% prevention rate across CDRN, RDR and Ethoca, most disputes are closed before your acquirer is ever involved.
Cardholder contacts their issuing bank to query or dispute a transaction.
Visa or Mastercard notifies CB6ix via CDRN, RDR, or Ethoca — before a formal chargeback is filed.
Based on your configured rules, we issue a refund, stop fulfilment, update order data, or challenge the dispute.
Issuer closes the dispute. Ratio unaffected. Acquiring bank never enters the process.
When a cardholder contacts their bank confused about a charge, most disputes happen because the issuer or cardholder simply doesn't recognise the transaction. Order Insight and Compelling Evidence 3.0 push your transaction data — merchant name, product, date, amount — directly to the issuer in real time, so the query is resolved before it ever becomes a dispute.
Disputes resolved this way are also excluded from your VAMP ratio.
Cardholder contacts their bank — confused about a charge or considering a dispute.
CB6ix pushes full transaction details to the issuer and cardholder instantly via Order Insight.
For intentional disputes, CE 3.0 submits prior transaction evidence to shift liability back to the issuer.
Cardholder recognises the charge or the dispute is deflected. VAMP ratio unaffected.
When a chargeback lands, the clock starts immediately. Card networks give merchants a narrow window to respond — and a weak evidence package, or a missed deadline, means the dispute is automatically decided against you.
CB6ix handles the full representment process: building the evidence package, drafting the rebuttal letter, and submitting within deadline. We achieve a 40–60% win rate across dispute categories.
A formal chargeback is filed by the issuing bank. Funds are pulled from your account. The response window opens.
We pull together all relevant documentation — delivery records, login data, prior transaction history, signed terms — and build the case.
A persuasive rebuttal letter is drafted and submitted to the card network — within deadline, every time.
Win rate of 40–60%. Funds returned to your account. We charge 25% of what's recovered — nothing if we don't win.
Most clients see the strongest improvement when all three layers are running together.