Chargeback management
Manage chargebacks with evidence tools, deadlines and win-rate analytics
A dispute, or chargeback, is a cardholder's reversal request that a merchant must answer with evidence before a network deadline. RapidCents Disputes collects open cases in one inbox sorted by response due date, supplies reason-code templates, accepts uploaded proof and sends deadline alerts. For businesses in Canada, confirm the dispute process and any fees on your merchant account.
- Dispute inbox with deadline countdown
- Evidence templates by reason code
- Win-rate and reason code analytics
- Email deadline alerts
- SOC 2 Type II
- Reason-code templates
- Outcome tracking
- Multi-location dispute routing
Who it's for
E-commerce merchants
Fight friendly fraud with delivery and AVS evidence.
Multi-location retail
Central team responds for all store chargebacks.
High-ticket services
Automotive and B2B need organized authorization proof.
Core capabilities
Dispute inbox
All open cases sorted by response due date.
Evidence templates
Pre-built packets for fraud, not-received and duplicate reason codes.
Document upload
Attach PDF, JPG and tracking screenshots.
Deadline alerts
Email and dashboard notifications at 7, 3 and 1 day remaining.
Outcome analytics
Win, loss and accepted rates by reason code and channel.
How it works
Chargeback notification arrives in dispute inbox.
Review reason code and transaction detail.
Gather evidence using guided template.
Upload documents and submit response.
Track outcome and update internal prevention notes.
Dispute response workflows
Fraud reason code
Submit AVS match, CVV result and customer IP log.
Product not received
Upload carrier tracking with delivery signature.
Duplicate processing
Provide two transaction receipts showing distinct orders.
Central HQ response
Corporate uploads evidence on behalf of franchise location.
Dashboard and reporting
Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.
Try it, edit values and click buttons
Merchant dashboard
- Today
- $4,218
- Deposits
- $12,482
- Disputes
- 2 open
- In-person
- $842
- Online
- $1,104
- Virtual terminal
- $392
Demonstration data only
Integrations
Shipping carriers
Import tracking numbers from Shopify or ShipStation.
CRM notes
Attach customer email thread to evidence packet.
Multi-location routing
Route case to HQ or store manager by rule.
Works with Disputes
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
RapidCents assembles chargeback evidence from the original sale, with the terminal and receipts still at hand. Chargeback Protection
Dispute alerts and evidence assembly, so representment does not eat your week.
Explore
A cardholder completes 3-D Secure on RapidCents checkout, so the issuer can authenticate the online payment. 3-D Secure
Issuer authentication on online payments, which shifts fraud chargeback liability.
Explore
The Payment Attempts screen, shown with sample data: the host response for each attempt, then the fraud analysis behind it — decision, suspect score out of 100, IP address and location, visitor ID, browser, operating system and device. Fraud prevention
More than 180 signals checked on every payment attempt in under a second, and a fraud score you decide on.
Explore
A merchant reviews RapidCents reports for volume, mix and payouts, with the terminal that took the sales on the desk. Reporting and reconciliation
Deposit-level detail that ties settlements back to the transactions behind them.
Explore
The RapidCents payments screen: gross volume, payment count, acceptance rate and refunds across the top, a filterable transaction list below, and a money timeline on the right tracing one payment from capture to planned payout. Merchant dashboard
Transactions, deposits, refunds and disputes across every channel in one place.
Explore
Security
Evidence retention
Submitted documents stored for audit period.
Access controls
Only dispute-responder roles submit evidence.
Immutable case log
Timeline of status changes preserved.
Implementation
Responder assignment
Designate staff who receive deadline alerts.
Template customization
Add logo and standard policy language.
Prevention review
Quarterly win-rate review with advisor.
Descriptor audit
Ensure statement descriptors match brand name.
Pricing
Dispute fees
Network chargeback fees apply per case. RapidCents dispute tools included with processing account.
Cards, currencies and settlement in Canada
What a RapidCents account in Canada accepts, the currencies it settles in, and when the money arrives.
Cards and methods accepted
Visa, Mastercard, American Express, Discover, UnionPay and Diners Club cards from any country, plus Interac Debit, Apple Pay, Google Pay and EFT/PAD bank payments, on one merchant account.
137+ currencies, settled in CAD or USD
Process in CAD, USD, EUR and 137+ currencies, and deposit payouts directly into your Canadian CAD bank account or your Canadian USD bank account, so USD sales are not converted twice.
Next-business-day funding and reconciliation
Batches close nightly and deposits arrive the next business day, based on cut-off times and eligibility, with deposit-level reporting in one RapidCents dashboard.
Questions about Disputes
How long to respond?
Typically 7-21 days depending on card network and reason code.
Can RapidCents respond for us?
Managed dispute services available for high-volume merchants.
Pre-dispute alerts?
Ethoca and Verifi alerts surface before chargeback when enrolled.
Multi-location inbox?
HQ view consolidates all location disputes with filters.
What is the difference between a chargeback and a refund?
A refund is issued by the merchant. A chargeback is started by the cardholder through their issuer, arrives with a reason code and a response deadline, and network chargeback fees apply per case whichever way it is decided.
Who on my team can submit evidence to a dispute?
Only roles designated as dispute responders can submit evidence, and you choose which staff receive the deadline alerts. Every status change stays on the case timeline, which cannot be edited after the fact.
Can shipping tracking and customer emails be pulled in automatically?
Tracking numbers can be imported from supported ecommerce and shipping software, and a customer email thread can be attached to the evidence packet instead of being retyped. Ask your RapidCents representative how your own systems connect.
Which evidence can I submit through RapidCents?
PDF and JPG documents and tracking screenshots, attached to a packet built from the template for the reason code. A fraud claim calls for the AVS match, CVV result and customer IP log; a product-not-received claim for carrier tracking with a delivery signature; a duplicate claim for receipts showing distinct orders.
How is dispute management priced?
The dispute tools come with a RapidCents processing account rather than a separate subscription. A dispute itself costs the network's chargeback fee, charged per case whichever way it is decided and set by the card network, not by RapidCents.
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Take the next step
Talk to a RapidCents specialist
RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.
- No obligation
- Canadian payment specialists
- Secure statement upload
