Chargeback management software: What it is and how to choose the right solution

Growing chargeback volumes, projected to reach 337 million globally by 2026, can increase merchants’ losses through disputed transaction amounts, fees, operational costs, and potential card-network penalties, particularly as both true fraud and friendly fraud rise. Chargeback management software automates tasks such as transaction review, evidence collection, document formatting, submission, and dispute tracking, helping businesses reduce manual errors, respond within card-network deadlines, and use data to identify fraud patterns and future risks. Available options include prevention-focused tools with real-time monitoring and fraud detection, recovery software for managing initiated disputes, self-managed SaaS platforms ranging from semi-automated to fully automated AI systems, and outsourced third-party services. Card issuers initiate and assess cardholder disputes, while acquirers debit merchant accounts, facilitate evidence submissions, and coordinate communications. Businesses evaluating these systems are encouraged to prioritize chargeback prevention, workflow automation, integrations, scalability, security standards such as PCI DSS, compliance, and responsive support; the source presents Airwallex as one provider combining fraud detection, pre-chargeback handling, AI-assisted dispute responses, and dashboard-based case management.

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