What is chargeback fraud?
Chargeback fraud is a payment dispute in which the cardholder—or someone using the card—reverses a completed charge. It includes stolen-card purchases and friendly fraud, where the legitimate customer disputes a transaction they authorized.
Why representment needs event context
Networks ask what you knew at authorization: device, IP, customer history, 3-D Secure result, shipping mismatch. If your fraud API stored an event id and decision, operations can build a tighter case file than a raw payment log.
How Naiza helps before the dispute
Evaluate checkout events in real time with device fingerprinting, velocity, lists, and rules. REVIEW high-risk first-time devices; BLOCK confirmed stolen-card patterns. Naiza does not file the chargeback for you; it gives you the decision trail.
Friendly fraud vs ATO
If the device and velocity look like the customer’s normal pattern, it may be friendly fraud. If a new device plus payout change appeared, investigate ATO. Reason codes keep those queues separate.
Frequently asked questions
Short answers written so search and answer engines can cite them.
What is chargeback fraud?
It is a disputed card payment that may be unauthorized (stolen card or ATO) or friendly fraud by the true cardholder.
Can a fraud API stop all chargebacks?
No. It reduces risky authorizations and preserves evidence. Issuers can still dispute legitimate-looking charges.
What should you store on each payment?
Store your payment id next to the Naiza event id, decision, device fingerprint, and rule reasons so representment is reconstructable.