Chargebacks are a common risk for merchants accepting credit card payments, as they provide consumers with a safety net against unauthorized purchases or merchant exploitation. While third-party fraud involving stolen cards is typically a losing battle for retailers, first-party fraud, or "friendly fraud," offers merchants the opportunity to dispute claims by providing evidence of legitimate transactions. Mastercard's First-Party Trust and Visa's Compelling Evidence 3.0 are frameworks designed to aid merchants in proving the authenticity of disputed transactions through data such as device fingerprints. UnionPay employs a two-step verification process that reduces chargebacks by shifting fraud prevention responsibility to consumers, though it lacks formal criteria for dispute resolution. JCB, the dominant network in Japan, allows only one opportunity for merchants to defend against chargebacks, emphasizing the importance of strong evidence collection. Utilizing device intelligence tools like Fingerprint can enhance a merchant's ability to win disputes by providing comprehensive and persistent identification data.