Chargeback Management
From AI-powered fraud-detection to real-time alerts and proprietary representment support, we collaborate with you to turn chargeback challenges into competitive advantages.
Chargeback Prevention and Resolution
Cliq delivers preventative safeguards and powerful dispute management tools in one integrated system. Our fraud detection and authentication solutions help stop disputes before they happen, while our proprietary, AI-enabled chargeback management pairs cutting-edge technology with knowledgeable U.S.-based agents.
Payer Authentication 3DS
Add an extra layer of verification to card-not-present transactions with 3D Secure payer authentication. Confirming cardholder identity through one-time passwords, biometrics, or issuer-led checks shifts fraud liability away from merchants.
Better Decisioning
Accurately distinguish legitimate cardholders from fraudulent actors, enabling smarter approval and decline decisions, and significantly reducing the risk of unauthorized card use in card-not-present transactions.
Increased Authorization Rates
Verifying the cardholder's identity in real-time reduces the risk of unauthorized card use and blocks fraudulent transactions before they impact your business, boosting issuer confidence.
Improved Customer Experiences
Most low-risk transactions are approved seamlessly in the background without requiring extra steps from customers. When additional authentication is needed, it integrates smoothly into the checkout flow.
Liability Avoidance
Merchants are protected from chargebacks related to fraudulent "unauthorized transaction" claims. When a transaction is authenticated, potential liability shifts from the merchant to the card issuer.
Reduced Chargeback Costs
Preventing fraudulent transactions upfront can reduce chargebacks by up to 35-40%, saving money on chargeback fees, administrative costs, and the loss of goods or services.
Confident Compliance
3DS helps merchants more readily meet modern security standards and regulatory requirements, such as the U.S. Payment Card Industry Data Security Standard (PCI DSS).
Decision Manager
Powered by Visa Acceptance Solutions, Decision Manager delivers global fraud screening with customizable rules that adapt to each merchant's unique risk profile. Give your partners enterprise-level protection that reduces fraud losses while improving approval rates—all seamlessly integrated into your existing systems.
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Reduce Fraud Losses Without Blocking Good Customers
AI-driven fraud screening identifies suspicious transactions while maintaining high approval rates, so you capture more legitimate revenue.
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Leverage Enterprise-Grade Security
Access an elite risk intelligence network to stay ahead of emerging fraud patterns without building your own security infrastructure.
Customize Protection to Your Business
Our flexible rules engine adapts to your specific risk profile, industry vertical, and transaction patterns.
Accelerate Transactions with Confidence
Make real-time approval decisions in milliseconds, reducing cart abandonment while simultaneously blocking fraudulent transactions before they cost you money.
Order Insight
Order Insight shares real-time transaction and order data directly with card issuers, resolving disputes before they escalate into costly chargebacks. Stopping "friendly fraud" at the source improves business flow, reduces operational costs, and strengthens customer trust—all while lowering chargeback ratios.
Fewer Chargebacks, Lower Costs
Order Insight resolves disputes before they become chargebacks, saving your business from fees, lost revenue, and administrative burden.
Improved Customer Relationships
Clarifying transaction details quickly with issuers and cardholders helps reduce confusion and maintain trust with your customers.
Better Account Health
Keeping chargeback ratios low protects you from penalty fees, account restrictions, and potential placement on industry monitoring programs.
Proactive Chargeback Prevention
Real-time updates from Verifi CDRN, Visa RDR, and Ethoca Alerts notify you of disputes before they become chargebacks, giving you the opportunity to resolve issues directly with customers.
- Stop Chargebacks Before They Hit
- Protect Your Processing Privileges
Expert-Led Chargeback Remediation
Cliq's U.S.-based specialists handle the complex representation process on your behalf, crafting compelling evidence packages that maximize your chances of recovering disputed revenue.
- Increase Win Rates
- Reclaim Lost Revenue
Automated Dispute Resolution
Streamline your entire dispute workflow with automated evidence collection and submission that eliminates manual paperwork and prevents costly missed deadlines.
- Reduce Administrative Burden
- Improve Recovery Outcomes
Information is for general purposes only and may change. Neither Visa nor CyberSource is liable for any errors or omissions by the Visa Platform Connect acquirer.
Order Insight provides data to validate transactions but does not guarantee the outcome of any dispute.
