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 with device fingerprints, velocity, lists, and rules. Review suspicious first-time devices, block confirmed stolen-card patterns, and retain decision evidence for investigation and dispute preparation.
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
Answers about screening, risk signals, and Naiza integration.
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.
How does a fraud API help reduce chargebacks?
Evaluate payment risk before authorization, block confirmed abuse patterns, and retain device and decision evidence. Those records support investigation and dispute preparation.
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.