Take Control of Chargebacks, Recover Revenue Confidently

Friendly fraud happens when a legitimate customer disputes a real purchase, often claiming they didn’t receive the product, don’t recognize the transaction, or forgot about the order. Although not malicious, it still results in chargeback losses and penalties.


Malicious chargeback fraud is intentional abuse. Fraudsters make a purchase, receive the goods or service, and then deliberately dispute the transaction to force a refund. This type of “digital shoplifting” causes significant revenue loss and increases scheme-level risk for merchants.

Our alerts are triggered before a chargeback is officially filed. Through direct integrations with Visa Verifi and Mastercard Ethoca, we receive dispute signals in real time — giving merchants and payment providers a chance to resolve or refund proactively.


Early alerts allow you to:

• refund the customer before the chargeback is created
• avoid scheme penalties and chargeback fees
• reduce operational workload from manual dispute handling
• protect merchant accounts from suspension or excessive dispute ratios

‍

We combine real-time alerts with fraud intelligence. When an alert is triggered, we analyze the order’s device, behavior, and transaction signals to confirm whether it is likely fraud or friendly misuse, helping you respond accurately and reduce future disputes.

We follow a data-localization-first approach. TrustDecision operates multiple global nodes so clients can choose a region that meets local regulatory requirements.


We also:

• Work with clients to determine compliant data fields for transmission
• Hold global certifications including SOC 2, ISO 27701, and PCI DSS
• Fully support compliance audits and documentation for client due diligence