Solutions · Retail and high volume

Thousands of small sales. A record on every one.

Stores, quick service, grocery, and everyday e-commerce: many transactions, modest tickets, few disputes. Protection here is a flat few cents a sale, and most sales pass through untouched.

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18,000tx / month

$84avg ticket

0.3%dispute rate

Salt & Pine Surf Co. · 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 13.1 · Merchandise not receivedThe order shipped; the buyer says it never arrived.
Carrier confirmation tied to the order, the address match at checkout, the shipping terms acknowledged.
Visa 13.3 · Not as describedThe wrong size, so the whole charge is disputed.
The item, description, and size shown at checkout, the return policy acknowledged, the exchange offered.
Visa 10.4 · Card-absent fraud“I didn’t place this order.”
Device, IP, and billing match recorded on the order; 3-D Secure or a passcode above the threshold; prior undisputed orders on the same card under Compelling Evidence 3.0.
Visa 12.6.1 · Duplicate processingTwo taps at the register, one charge disputed as a double.
Two distinct receipts with items and timestamps, or the refund already issued.

Standard band

3¢per protected transaction

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

Clear disclosure of merchant, items, and terms on every sale
Buyer acknowledgement, timestamped
Evidence record on every protected sale
In store: signature, ID, or photo only above your threshold
Online: 3-D Secure or a passcode only above your threshold

What the customer sees: nothing extra on a normal sale. At score 28, the demo order gets no step-up at all.

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-90417 · Salt & Pine Surf Co. · $96.00 · card-not-present

CardholderDevice, IP, and billing address consistent with the card14:02:11 ET
PurchaseRash guard, size M, $96.00 including tax14:02:11
UnderstandingShipping and return terms shown, acknowledged14:02:04
FulfillmentShipped Sep 2, delivered Sep 4, carrier confirmation attachedSep 4
RecipientDelivered to the billing address on the cardSep 4

Disputed as Visa 13.1 · 31 days later9-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

18,000 transactions at a 0.3% dispute rate.

Exposure a month

$11,400

54 disputes × ($128 combined cost + $84 ticket), before the goods already shipped.

Staff time a month

111 hrs

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

Standard band protection

$540

18,000 transactions × 3¢. 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.

Every sale on the record, for three cents each.

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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.