High-risk merchants (think CBD, gambling, or subscription-based businesses) face dispute rates up to 3x higher than average.
And the thing is, a chargeback costs you far more than just the disputed transaction. When you factor in lost revenue, administrative time, processing fees, and strained relationships with payment processors, the true cost is staggering, an estimated $360 for every $100 in chargebacks.
Chargeback protection does more than resolve disputes. It helps maintain steady cash flow, reduces processing fees, and protects your business reputation. In this guide, we’ll simplify your search for the right provider, spotlighting 2025’s top chargeback protection solutions tailored for high-risk industries.
Why Chargeback Protection is a Must in 2025
“Many merchants see chargeback protection as an added cost,” says Dennis, our CEO, “but in reality, it’s an investment that improves approval rates and reduces long-term processing fees.”
Effective services don’t just fight disputes, they prevent them through AI fraud detection, reducing your risk profile. Lower dispute rates mean happier processors, better terms, and higher approval rates for legitimate transactions.
Best 3 Chargeback Protection Services for High-Risk Businesses (2025 Comparison)
FastoSafe
At FastoSafe, we understand the unique challenges faced by high-risk merchants, particularly those dealing with excessive chargebacks. With rates starting at 3% per transaction, we’re among the most competitively priced solutions out there.
Our system checks multiple data points like IP location, device fingerprints, and purchase history to spot suspicious activity instantly. We flag unusual transactions for review while letting trusted customers’ orders process smoothly.
Next, our 3D Secure 2.0 system assesses each transaction’s risk and only requests verification when necessary. Regular customers won’t experience friction, but suspicious transactions trigger additional security measures like verification codes or biometric checks.
Finally, high-risk businesses must meet strict regulatory standards. For industries like CBD, proper age verification and compliance documentation are essential to avoid fines or loss of payment processing.
Our services automate necessary compliance checks, eliminating manual oversight so you can focus on growth with confidence.
Corepay
Corepay provides chargeback prevention alerts that notify merchants when a consumer initiates a dispute, allowing them to resolve issues before they become chargebacks.
This proactive approach helps maintain a positive reputation and avoid account suspension.
Chargeback prevention alerts through Corepay typically range between $35 and $40 per alert.
While the cost may seem high, investing in these alerts can save businesses money by preventing higher processing fees and potential account issues.
By utilizing Corepay’s chargeback alerts, merchants can proactively address customer disputes, reduce chargeback ratios, and maintain a positive relationship with payment processors.
Signifyd
Signifyd offers a complete financial guarantee against fraudulent chargebacks.
The platform uses machine learning combined with real-time data analysis. This technology works to approve orders from legitimate customers while effectively blocking attempts at fraud.
Chargeback protection pricing for Signifyd begins with a monthly fee of $1,500. Additionally, customers pay a transaction fee that equals 0.8% of each order’s total amount. These rates can change depending on how many transactions you process and what specific services you need.
Signifyd’s services enable businesses to increase sales, expand into new markets, and reduce fraud-related risks without complicating their workflow.
Key Features to Look For in a Chargeback Protection Service
Credit Card Payment Security
Choose a chargeback protection services with strong credit card payment security features including 3D Secure, encryption, and fraud detection tools.
Stopping fraudulent transactions before they happen eliminates potential chargebacks from the start.
KYC and Identity Verification
High-risk businesses require stronger identity verification than basic card checks. Look for solutions that combine multiple verification methods such as biometric scans, document verification, and liveness detection to confirm customer identities.
Subscription businesses should implement email and phone validation to prevent free trial abuse and account takeovers. These security layers protect your recurring revenue while maintaining a smooth experience for legitimate customers.
Chargeback Alerts
By working with services like Ethoca and Verifi, you’ll know the moment a challenge occurs, allowing you to either approve a refund or contest the dispute right away.
This early notification also helps you gather crucial evidence (transaction details and communication records) that strengthens your case during dispute resolution.
Why FastoSafe is the Best Chargeback Prevention Service on the Market
Stop Fraud at the Door
Our AI scans 124+ data points (IP addresses, purchase history, device fingerprints) to spot shady transactions before they happen. 3D Secure 2.0 adds a quick security check for risky buys without annoying legitimate customers. AVS + CVV checks confirm the card matches the user.
Shut Down Disputes Before They Blow Up
Get real-time alerts the moment a customer files a dispute. Refund them fast or gather proof (like tracking numbers) to fight the chargeback.
Automate the Grunt Work
Rapid Dispute Management (RDR) lets you resolve Visa/Mastercard disputes in seconds with pre-set rules. Easy evidence kits auto-generate proof for chargeback appeals, saving you countless hours.
Learn & Adapt
Our dashboard shows you exactly why chargebacks happen. Spot trends such as disputes resulting from delayed shipping and fix the root cause.
Get a free assessment or learn more about FastoSafe to protect your business from chargebacks today.
