Pre-transaction scoring
High-risk transactions flagged before payment gateway decision. Prevents chargebacks before they occur. Score + confidence + contributing signals returned in <100ms.
SENTR · SOLUTIONS · CHARGEBACK REDUCTION
Chargeback Reduction
Pre-transaction fraud scoring reduces chargebacks before they occur. Post-transaction dispute evidence generation wins them when they do. Closed-loop learning compounds the reduction over time.
- 50-day shadow mode — free
- Win rate 60–75% vs. 20–35% industry average
- VAMP monitoring — know your exposure
The chargeback problem
Chargebacks happen at the intersection of fraud and legitimate transactions. Current stacks are built to catch fraud — not to win disputes. When a chargeback arrives, the burden of proof falls on you.
- Current stack gives a score. Dispute packages require manual compilation from three systems. Finance builds evidence from spreadsheets and email threads.
- Chargeback rate creeping toward VAMP 0.9% threshold. Acquirer pressure mounting. One more breach and you're in remediation.
- Analysts spend time on evidence compilation, not investigation. Representment is a tax on fraud operations — every hour spent is an hour not spent fighting real fraud.
"Compiling evidence for a single chargeback takes my team 45 minutes on average. We fight about 60% of our disputes. We still only win about 30% of them."
Average chargeback handling cost: €150–€300 per case. At 1,000 disputes/month, that's €150–€300K annually in pure overhead — before scheme fines or VAMP remediation costs.
Cost range derived from industry benchmarks. Verify against your own case volume before external publication.
How SENTR addresses chargebacks at both ends
Pre-transaction scoring prevents them. Post-transaction evidence wins them. Dispute outcomes train the model.
Post-transaction evidence
Structured dispute packages assembled automatically — transaction timeline, device fingerprints, behavioural signals — formatted to card scheme requirements. One click. No manual compilation.
The closed feedback loop means every dispute outcome (won or lost) retrains the pre-transaction model, compounding the chargeback reduction over time. Evidence assembled at Stage 1 is available at representment — no relay, no copy-paste.
Already running a fraud detection tool?
Your current fraud detection tool catches fraud at checkout — it doesn't close the loop to representment. SENTR's shadow mode proves the gap on your own data: every chargeback your current stack missed, every dispute you fought manually. After 50 days, you'll see exactly what your fraud score doesn't tell you about chargebacks.
How SENTR reduces your chargeback rate
Four capabilities. All active in shadow mode from Day 1.
Pre-transaction scoring
High-risk transactions flagged before payment gateway decision. Prevents chargebacks before they occur. False positive rate configurable to your risk appetite.
Evidence automation
Transaction timeline, device fingerprints, behaviour signals — assembled automatically and formatted to card scheme specifications. No manual copy-paste between systems.
Dispute win rate
Structured evidence packages win 60–75% of disputes vs. the 20–35% industry average without automated evidence packaging. Every additional win compounds against your chargeback rate.
Closed-loop learning
Every dispute outcome retrains the model. Pre-transaction scoring improves with each dispute cycle. Chargeback rate reduction compounds month over month — automatically.
See your chargeback delta — on your own data
SENTR runs in parallel to your existing fraud stack in read-only mode. After 50 days, you receive a full chargeback delta report: every chargeback SENTR would have prevented pre-transaction, every dispute SENTR's evidence package would have won, and your projected VAMP rate with SENTR active.
Start your 50-day shadow mode evaluation →Estimate your exposure with the Chargeback Calculator →
Free. No contract. No cutover. Win-rate projection included in Day 50 report.
Stop leaving chargeback revenue on the table
Book a 20-minute Architecture Session. We review your current chargeback rate, map your VAMP exposure, and scope your shadow mode integration. Day 50 report includes chargeback delta, win rate projection, and VAMP forecast.
Book your Architecture Session →50-day shadow mode — free · Win rate 60–75% vs. 20–35% industry average · No contract until Day 50