Chargeback Hub
Chargeback drained your margin? Place it on Owedly.
For merchants hit by unjustified or friendly-fraud chargebacks. List the loss as a collection account — fight it with evidence or settle — without fake win-rate promises or cardholder doxxing.
- List the lossTreat the chargeback like any Owedly placement — amount, network, reason code, and evidence when you have it.
- Evidence packOrder, delivery, AVS/CVV, 3DS, chat, and device signals stay vaulted. Templates for responses are lawyer-gated.
- Dispute or settleFormal representment / dispute path, or pay and settle on the same rails as other accounts. You choose the exit.
Protect · Coming · v2
Stop the next friendly fraud before auth
Pre-transaction BIN / network risk signals and alert enrollment (Ethoca, Verifi CDRN/RDR class) are planned for v2. Prefer tokens and BIN+last4 — never paste full PAN or SSN on this site. No live Protect API — no invented Ethoca keys.
BIN riskEthoca alertsVerifi CDRNVerifi RDR
Trust & compliance
- PCI posture: processor vault holds PAN; Owedly splash never asks for card numbers or SSN.
- Lawyer gate on dispute letters and channel templates before production send.
- One consumption plan for AI, evidence tools, and connected services: provider usage cost × the current multiplier.
- Connected alert services, when available, disclose their usage costs before activation.
FAQ
- What is an unjustified or friendly-fraud chargeback?
- When a cardholder disputes a charge you believe was legitimate — goods shipped, services delivered, or authorization clear. “Unjustified” is your claim; Owedly does not adjudicate every dispute.
- Is listing a chargeback loss the same as placing debt?
- Yes in the product model: entries are collection accounts. The loss becomes a placement. Exits are formal dispute (representment) or pay/settle — Owedly software tools use consumption pricing, with no Owedly recovery commission.
- Do you guarantee win rates?
- No. We do not publish or promise chargeback win rates. Outcomes depend on evidence, network rules, and issuer decisions.
- Will you skip-trace or doxx the cardholder?
- No. Evidence is transaction and fulfillment artifacts — not home/work people-search products.
- What about Protect / Ethoca / Verifi?
- Pre-transaction risk lookup and alert enrollment (Ethoca, CDRN, RDR class) are on the roadmap. See /chargebacks/protect — Coming · v2, no live API yet.
Owedly is not a card network, acquirer, or law firm. We do not guarantee representment outcomes. “Unjustified” reflects the merchant’s assertion. Not legal advice.