Protect the payment. Document the value. Automate the defense. ChargeSecured builds evidence at checkout and defends it automatically when a dispute lands.
A legitimate purchase becomes a dispute after the buyer has already walked away with the value. Your customer buys with a valid card, receives the goods or service, then disputes the charge weeks later — and keeps both. The bank sides with them. You lose the sale, the product, the labor, and the fees.
ChargeSecured helps you separate genuine unauthorized activity from first-party misuse, confusion, and abusive claims.
Stolen card credentials or a compromised account. The true cardholder did not authorize the transaction. Objective: identify and stop risk before approval.
A legitimate buyer or household user makes or receives the purchase, then disputes it after value has been delivered. Objective: document authorization, receipt, and fulfillment.
There are three ways most businesses handle disputes today. All three lose money in a different way.
Cheapest until it isn't. Losses compound month over month, and excess dispute ratios can quietly raise your effective processing cost.
Requires staff, tooling, deadline tracking, and evidence retrieval across POS, delivery, and CS platforms — and still only defends after the loss.
Represents disputes after they land but doesn't change what happens at the point of sale. Your evidence is only as good as what your systems already captured.
Independent industry analysis puts the average all-in cost per chargeback at $128 — before you factor in the merchandise you already handed over.
Between 2025 and 2028, global chargeback volume is projected to grow 24% — while overall card-transaction growth is meaningfully slower. (Estimates & projections, not actual results.)
ChargeSecured runs alongside your existing checkout. Explore the layers below — protection points, proof of receipt, and automated defense each have their own detail.
Identify the transaction profile and apply the right protection level automatically at the terminal.
Merchant name, itemized items, price, and terms shown unmistakably to the buyer before tap or swipe.
Confirm the buyer authorized the charge and understood what they were buying.
Step-up authentication — ID match, signature, face — applied where warranted.
Complete, timestamped transaction story preserved for future dispute defense.
Authorization context linked to the account
Itemized items and amount at time of sale
Terms disclosed and acknowledged
Delivery, pickup, access, or service confirmed
Who received the value, on-site or online
Issuer files a claim.
System pulls the transaction record.
Evidence matched to the specific reason code.
Package assembled automatically.
Ready to review and submit.
Accept transactions across in-person, online, and mobile channels.
Evidence-capture logic embedded at the moment of sale.
Five-pillar transaction record built automatically.
Terminal software for signature, ID, and face verification.
Auto-triggered representment package when a claim is filed.
Every category is exposed. ChargeSecured is horizontal by design — the same evidence engine works from a $10 charge to a $10,000 charge.
Fewer disputes filed — clear disclosure and acknowledgement at checkout closes off the easy claims.
Higher win rate — a complete evidence package strengthens representment outcomes on the disputes that do land.
Recovered staff time — auto-built response packages replace hours of manual investigation per case.
Protected standing — keeping dispute ratios low protects your ability to accept cards.
One system — payments, evidence, hardware, and defense in one place, not four vendors.
| Travel & hospitality | $120 |
| High-risk categories | $99 |
| Retail | $84 |
| Digital goods | $77 |
| Subscription services | $69 |
| U.S. average (all industries) | $110 |
One flat $1 per protected transaction, plus your credit card processing. Every dispute we prevent or win is pure recovery against a fixed, predictable cost.
One flat rate. Every protected transaction gets the full evidence stack, dispute-response automation, and hardware verification stack.
Credit card processing is billed in addition to the $1, at cost. No markup, no interchange skimming, no hidden take.
You already lose $128 in combined cost on every chargeback — before the ticket value. $1 to prevent it is not a decision. (Mastercard, 2025)
Processing is passed through at cost — you keep the economics you already negotiated.
No SaaS platform fee, no seat cost, no minimum — you only pay when we protect a transaction.
ChargeSecured plugs into your current processor, checkout, and dispute workflow — without disrupting operations.
Review your terminals, checkout, dispute volume, and merchant categories. 1–2 days.
Configure risk rules, verification thresholds, and evidence capture for your business. 1 week.
Install terminals, integrate the checkout SDK, and turn on protected transactions. 2–4 weeks.
Scale to full volume. Ongoing monitoring, tuning, and dispute defense included.
Firsthand operator experience with the merchant-side chargeback problem. Former Chief Revenue Officer at Speakeasy, a curated experiences and hospitality-commerce platform — now building the merchant-protection infrastructure the industry has never had.
Direct merchant-side experience from private clubs, luxury hospitality, and high-ticket service businesses. Owns merchant partnerships, strategic relationships, and commercial rollout at ChargeSecured.
The merchant-protection layer for modern payments.