Effective date: August 23, 2026. ChargeSecured LLC, New York, NY. Applies alongside our Privacy Policy and User Agreement.
ChargeSecured LLC is not a bank, payment processor, insurer, or law firm, and nothing here is legal advice. Chargeback outcomes are determined by card issuers and networks; no win rate or recovery is guaranteed.
ChargeSecured provides software and services that help merchants document transactions at the point of sale and assemble evidence-based responses when a dispute is filed. We do not hold funds, issue credit, underwrite risk, or adjudicate disputes. Decisions on any individual chargeback rest entirely with the cardholder's issuing bank and the applicable card network, under their rules and timelines. Any figures, calculators, or scenarios presented on this site are illustrative and are not a prediction, warranty, or guarantee of any particular outcome, recovery amount, win rate, or return.
Nothing on this site creates an attorney-client relationship or constitutes legal, tax, accounting, compliance, or financial advice. Consult your own qualified advisors regarding your obligations under applicable law and card-network rules.
ChargeSecured LLC is a New York limited liability company providing merchant-protection, checkout-evidence, and dispute-automation services to card-accepting businesses. Use of our Services is subject to our Privacy Policy and User Agreement. Nothing on chargesecured.com constitutes legal, tax, or financial advice.
By using the Services, you consent to receive disclosures, agreements, receipts, and other communications electronically, and agree that your electronic acknowledgement at checkout or in the merchant portal constitutes a valid signature and acceptance, to the fullest extent permitted under applicable law, including the federal E-SIGN Act and applicable state UETA statutes.
Where ChargeSecured's step-up verification captures a signature, government ID, or facial-match image, this data may constitute "biometric information" under state law. We collect it solely to verify the identity of the person completing a transaction and to build the transaction's evidence record; we do not sell biometric data or profit from it beyond the fee described in our User Agreement. Where a state requires a specific written policy, retention schedule, or consent mechanism (including Illinois, Texas, and Washington), that policy is made available to affected individuals at or before collection, consistent with our Privacy Policy, Section 7.
ChargeSecured's checkout-evidence and automated dispute-defense methods are the subject of a pending U.S. patent application. "Patent pending" indicates that an application has been filed and is under review; it does not guarantee that a patent will issue.
The items below summarize how general state-law categories apply to ChargeSecured's Services. They are illustrative starting points, not a complete compliance matrix, and should be expanded and verified by counsel for any state where you operate.