Shenzhen YX Decoration lost USD 36,000 after a buyer falsely claimed non-receipt and later escalated the dispute with fabricated evidence. Paysure identified fraudulent intent, uncovered decisive proof of delivery and product usage, and successfully defended the merchant through multiple chargeback rounds. The case ultimately resulted in full fund recovery and a merchant-side ruling.
Shenzhen QS Toys faced a critical PayPal dispute rate of 2.8%, putting its account at risk of fund freezes. By partnering with Paysure, the merchant implemented a tailored dispute strategy centered on mandatory product returns, achieving a 60% win rate and reducing disputes to 1.5%. The collaboration not only safeguarded the PayPal account but also delivered long-term dispute prevention improvements.
Effective chargeback management for cross-border merchants requires a structured approach combining prevention, proactive defense, and professional expertise. By implementing layered fraud controls, improving service transparency, responding actively to disputes, and partnering with experienced chargeback specialists, merchants can significantly reduce losses, protect accounts, and maintain long-term operational stability.
Credit card chargebacks create far-reaching operational risks that go well beyond transaction losses. From losing both funds and goods to escalating fees, time-consuming disputes, card network penalties, and account shutdowns, unmanaged chargebacks can threaten the very survival of a cross-border business. Understanding these risks is essential for merchants seeking to protect revenue, maintain compliance, and ensure long-term operational stability.
This article breaks down three core causes of credit card chargebacks: fraudulent ones (10–20%, e.g., phishing, skimming), trade dispute-related ones (20–30%, e.g., shipping delays, misrepresented goods), and friendly fraud (60–70%, the most common, for free goods via buyer’s remorse or policy exploitation). Kuajutong’s service identifies true motives and builds strong evidence to boost merchants’ representment success
Credit card chargebacks pose significant financial and operational risks in cross-border commerce. This guide breaks down the full chargeback lifecycle—from initiation and fund reversal to representment and final liability decisions—highlighting common risk points, issuer biases, and the expertise required to defend disputes successfully. With professional chargeback recovery strategies, merchants can significantly improve win rates and protect long-term account stability.
Beijing SY Information, a Beijing-based kids’ clothing export startup, faced a $76,000 chargeback in June 2022. A freight forwarder’s error caused shipment delays, prompting US buyer LK to claim “non-receipt of goods”. Paysure mediated with the bank and buyer, organized evidence, and secured a favorable ruling for SY to avoid losses.
Anhui AS Auto Parts, a top Amazon auto parts seller, stopped a serial chargeback fraudster by partnering with Paysure. The team verified the buyer’s identity, used VISA rules, won all 7 cases and recovered $21,000—ending the buyer’s exploitative behavior for good.
