Keep your processor, your checkout, and your team. ChargeSecured layers evidence capture and dispute response on top, through terminal software, a checkout SDK, or one API call per sale.
Most merchants use two: one for the register, one for the web. All four feed the same record and the same portal.
Disclosure and acknowledgement on the terminal screen. Signature, ID, and photo capture when the transaction score calls for it, on the register you already run.
Adds disclosure, acknowledgement, and step-up to your existing payment step. Records device, IP, and billing match on every order; 3-D Secure or a one-time passcode above your threshold.
Post each completed sale to one endpoint and the record, accounting, and dispute defense populate from it. Forward processor dispute notices and the package assembles itself.
Keep your acquiring relationship. Payments settle from your processor to you; ChargeSecured receives only its disclosed fee. Card-network and processor fees pass through at cost.
| Path | You send | We capture | You get back |
|---|---|---|---|
| Terminal software | The sale as it closes on the register | Disclosure shown, acknowledgement, signature, ID match and photo at step-up | The record, the response when a dispute lands, the portal |
| Checkout SDK | The order at the payment step | Disclosure, acknowledgement, device, IP, billing match; 3-D Secure or passcode at step-up | The record, the response, the portal |
| API | One POST /api/v1/sales per completed sale, with items or totals and your external_id | Purchase, timestamps, source system; disputes you forward to /api/v1/disputes | 201 with the stored sale, webhooks on dispute events, GET to reconcile |
| Processor pass-through | Nothing new | Authorization and settlement stay with your processor | Protection and processing on one statement, in the fee ledger |
Backfilling history: post past sales with occurred_at set to the original date. Writes are idempotent on external_id, so a replay is safe to run twice.
Nothing to rip out. The same four steps for every merchant, whatever the path.
Current terminals, checkout, dispute volume, and merchant categories. Your band is set here.
Risk rules, verification thresholds, and evidence capture for your business.
Terminal software installed, checkout SDK integrated, protected transactions switched on.
Scale to full volume. Monitoring, tuning, and dispute defense included.
Tell us what you run at the register and online. If a path is missing for your setup we will say so at assessment, before anything is signed.
Charge Secured LLC is not a bank, payment processor, insurer, or law firm. Chargeback outcomes are determined by card issuers and networks. No win rate or recovery is guaranteed.