Chargebacks cost you the sale. Then they cost you everything else.
Unmanaged chargebacks compound fast — higher acquiring fees, card network flags, and a shrinking
pool of processors willing to work with you. CB6ix handles alerts, prevention and dispute fighting so your MID
stays clean and your revenue stays yours.
cb6ix platform — live dashboard
MID Status
Live
Active
MTD CB
Marked
New
MTD RDR
Marked
Error
MTD MC
Marked
Error
Client
CB
RDR
MC
Status
Drift & Co.
951
1819
4172
Active
Paxel Store
282
61
342
Active
Bloom Supply
119
185
355
Verifying
+90%
Alert prevention rate
40–60%
Dispute win rate
3
Alert networks · CDRN · RDR · Ethoca
Who we work with
E-commerceSubscription & SaaSGamingDigital goodsNutraceuticalsDatingFitness & HealthAdult+ more
What's actually at
stake
Chargebacks compound. Most merchants underestimate how fast.
It's not just the lost transaction. Every chargeback triggers a chain of consequences that eats into your
margins, limits your growth, and narrows your processing options.
40–50%
Higher acquiring fees
Merchants above a 0.65% ratio pay significantly more per transaction — on every
transaction, not just disputed ones.
1.5%
VAMP excessive threshold
As of April 2026, Visa tightened the threshold from 2.2% to 1.5%. Compliant in March?
You may not be now.
Fewer
Acquirers will work with you
Once flagged as high-ratio, processors close doors. The ones that stay open charge
accordingly.
Chargeback ratio impact
Under 0.5%Healthy
✓ Standard fees✓ Full
acquirer access
0.5% – 1%Elevated
⚠ Monitoring risk⚠
Higher fees
1% – 1.5%At
risk
✗ VAMP threshold✗
$8/dispute fines
Over 1.5%Excessive
✗ MID termination risk✗
Processor exits
Merchants above 0.65% ratio pay 40–50% more in acquiring fees across
every transaction — not just disputed ones. Above 1.5% under VAMP and fines begin immediately.
CB6ix by the numbers
Results that move your ratio.
Every number we track maps directly to ratio health, revenue recovery, or both.
+90%
Alert prevention rate
CDRN, RDR & Ethoca — disputes prevented before a formal chargeback is filed
40–60%
Win rate, fought chargebacks
Compelling evidence submitted within deadline, every time
3
Alert networks
CDRN, RDR & Ethoca — Visa and Mastercard across all alert types
25%
Recovery fee
Performance-based dispute fighting — you pay only when we win
How it works
Where CB6ix comes in.
The dispute process moves fast and silently. We sit between the card networks and your business — intercepting,
resolving, and reporting before a chargeback can damage your ratio.
Cardholder
Contacts bank to dispute a transaction
Issuing bank
Sends inquiry to Visa / Mastercard
Card network
Routes the alert to CB6ix
Intercepts before chargeback is
filed — we act
Merchant
Informed of outcome. Ratio unaffected.
Step 1
Dispute raised
Cardholder contacts their bank. Clock starts.
Step 2
Alert fired
Bank sends inquiry to Visa or Mastercard before a formal chargeback is filed.
Step 3
CB6ix intercepts
We receive the alert via CDRN, RDR or Ethoca and trigger the agreed resolution.
Step 4
Resolved — no chargeback
Issuer closes the dispute. Ratio unaffected. Acquiring bank never enters the process.
Services
Full-lifecycle chargeback management.
Four services, one platform. Every stage covered — from the first alert to the final
rebuttal.
Alerts
Chargeback alerts & resolution
We receive an alert before a formal chargeback is filed and resolve it via refund,
fulfilment stop, or challenge — before it hits your ratio.
CDRN (Verifi)RDR (Verifi)Ethoca
Prevention
Real-time issuer data sharing
Transaction details pushed to issuers and cardholders the moment a query is raised. Most
disputes are dropped before they escalate.
Order InsightCE 3.0
Recovery
Dispute fighting & representment
When a chargeback lands, we build the evidence package and submit a rebuttal within
deadline. No queued backlog, no manual delays.
40–60% win rate
Inform
Post-auth fraud intelligence
Verifi's Inform solution surfaces fraud and dispute signals after authorization — act on
risk before it becomes a chargeback.
Each layer reduces the volume that
reaches the next. Running all three together consistently produces the strongest ratio improvement.
Why CB6ix
We don't just enroll you and walk away.
Most chargeback services are set-and-forget. We monitor daily, review monthly, and adjust proactively when
something needs to change.
Proactive account management
Daily monitoring to ensure alerts fire correctly and your MID stays healthy. Monthly
reviews with actual recommendations — not just dashboards.
Optimized alert filters
We eliminate overlaps between CDRN, RDR and Ethoca so you're not paying twice for the
same alert. Credits issued for non-productive alerts automatically.
Vertical expertise
We work across e-commerce, subscriptions, digital goods, nutraceuticals and more — with
direct knowledge of the dispute patterns in each vertical.
Integrations already live
Already connected to NMI (gateway), Konnektive, Sticky.io and Vrio (CRM). Plug in fast —
no custom dev work required.
No lengthy integration. No development sprints. We handle the setup — you just need to share your enrolment
details and we take it from there.
01
Sign the agreement
We scope your services based on your current ratio, volume, and which alerts make sense
for your business.
→
02
Share enrolment details
We collect what we need to enrol your MIDs. Our team handles the technical setup
end-to-end — no dev work required.
→
03
Go live
Alerts activated, dashboard live, filters configured. Most merchants are live within a
few business days.
We need: BIN · CAID · Descriptor ·
MIDs — that's it. No user data, no business-sensitive information required.
Pricing
Priced around your actual risk profile.
No flat-rate packages.
Your chargeback ratio and monthly volume determine what you pay. Alerts and prevention are volume-based — rates
decrease as you scale. Dispute fighting is performance-based at 25% of recovered revenue. No win, no fee.
See our full pricing breakdown on the pricing page, or
get in touch for a quote tailored to your volume and risk profile.
FAQ
Common questions.
A refund is a voluntary transaction the merchant initiates — you return the money and that's
the end of it. A chargeback is forced by the cardholder's bank, counts against your dispute ratio, and comes
with a fee from your processor (typically $20–$100) regardless of whether you win or lose. Chargebacks also
damage your standing with card networks and acquiring banks in a way refunds simply don't.
Your chargeback ratio is the number of chargebacks in a given month divided by your total
transaction count for that month. Card networks monitor this ratio and flag merchants who exceed defined
thresholds. Once flagged, you're placed in a monitoring program, subject to fines per dispute, and required to
show improvement — or risk losing your merchant account.
VAMP (Visa Acquirer Monitoring Program) replaced Visa's separate fraud and dispute monitoring
programs in April 2025. The most significant update came on April 1, 2026: Visa reduced the "Excessive"
merchant threshold from 2.2% to 1.5% — a 32% reduction overnight. Merchants who were compliant in March 2026
may now be in violation. The critical exemption: disputes resolved via RDR, CDRN, or CE 3.0 are excluded from
your VAMP ratio.
All three are pre-dispute alert networks. CDRN (Cardholder Dispute Resolution Network) is
Verifi's Visa-side network — you receive a notification and decide how to respond. RDR (Rapid Dispute
Resolution) is also Visa-side but fully automated — a refund fires based on pre-configured rules, and these
disputes are excluded from your VAMP ratio. Ethoca is Mastercard's equivalent. Running all three gives you
coverage across both major networks.
No — but speed matters. Alert services (CDRN, RDR, Ethoca) can start preventing new
chargebacks from accumulating within days of going live. Representment can start recovering revenue from
existing disputes immediately. If you're already in a monitoring program or your acquirer has flagged your
account, let us know upfront — we'll treat it as urgent.
Ready when you are
Let's fix your ratio.
Book a walkthrough or send us a message — we'll review your current setup and tell you exactly what we'd do.
