Solutions · Restaurants and bars

Large parties, split checks, and a claim three weeks later.

Full-service dining, bars, services, subscriptions, and travel. Larger tickets, and more ways for a legitimate sale to be disputed after the meal is eaten. Protection is priced against the sale, with signature and receipt confirmation on the checks that matter.

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6,200tx / month

$146avg ticket

0.6%dispute rate

Marrow Steakhouse · illustrative merchant · figures are scenario inputs, not customer data

What disputes look like here.

Four claims this kind of merchant sees most, the way the issuer codes them, and what in the record addresses each. Every reason code.

Visa 10.3 · Other fraud, card-present“I never authorized that dinner.”
Chip read and issuer authorization, the signature captured on the terminal, the ID match at step-up, receipt confirmation at the table.
Visa 12.5 · Incorrect amountThe tip line was adjusted; the whole check is disputed.
The itemized check with the gratuity line, the acknowledgement of the final amount, the signed receipt.
Visa 13.3 · Not as describedThe steak was overcooked; the guest wants the party's check reversed.
The itemized check, terms acknowledged, the comp or partial refund already issued.
Visa 12.6.1 · Duplicate processingA split check read as a double charge.
Separate itemized receipts per card, with timestamps.

Elevated band

0.2 to 0.4%of each sale, set at assessment

Every band gets the full stack: the record, the automated response, terminal software, the portal, and processing at cost.

Find your band

At checkout by default

Disclosure and acknowledgement on every close
Signature and receipt confirmation on large checks
Step-up verification where the score warrants it
Evidence record on every close

What the guest sees: a signature and a receipt confirmation on a large check, a few extra seconds. At score 65, the demo check adds an ID match.

One sale, on the record

What the issuer sees when the claim arrives.

The record on the right is this merchant's sale from the flow demonstration, as it would be filed. The same five entries exist for every protected sale; only the verification steps differ by band and score. Times are illustrative.

Walk through this sale How the record is built

Evidence recordTX-88146 · Marrow Steakhouse · $1,246.50 · card-present

CardholderChip read, issuer authorization, approval code recorded20:41:07 ET
PurchaseItemized check, four covers, $1,246.50 including gratuity20:41:07
UnderstandingTerms shown on the terminal, acknowledged by the guest20:41:32
FulfillmentService closed at the table, receipt confirmation20:41:40
RecipientSignature captured, ID match at step-up (score 65)20:41:58

Disputed as Visa 10.3 · 24 days later12-page response filed

The math, on illustrative numbers.

Published cost figures applied to the scenario merchant above. Move the inputs on the pricing estimator to see your own.

Disputes a month

6,200 transactions at a 0.6% dispute rate.

Exposure a month

$10,100

37 disputes × ($128 combined cost + $146 ticket), before the dinners already eaten.

Staff time a month

76 hrs

At $82 internal cost per case and a $40 blended hourly rate.

Elevated band protection

$1,800 to $3,600

0.2 to 0.4% of $905,200 in monthly sales. Processing passes through at cost.

Cost inputs: $128 combined and $82 internal cost per chargeback (Mastercard, 2025; Mastercard and Javelin, 2026). Exposure = disputes × ($128 + average ticket). Illustrative, not a forecast; issuers decide dispute outcomes.

The check is closed at the table. So is the claim.

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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.