Chargebacks911

What Chargebacks911 does

Chargebacks911 is a chargeback management and risk mitigation firm that operates as a subsidiary of Global Risk Technologies, serving merchants, acquirers, and card issuers with end-to-end dispute prevention, representment, and revenue recovery services. Founded in 2011 by former merchants, the company has built a horizontal platform covering eCommerce, travel, retail, digital goods, and financial institution segments, with a reported customer base exceeding 18,000 companies and $1.3B+ in cumulative client revenue recovery. The core technology stack centers on the Unified Dispute Management System (UDMS), a cloud-based Disputes-as-a-Service platform launched in partnership with Fi911, complemented by proprietary Intelligent Source Detection® analytics, Auto Representment automation, and the ResolveLab AI/ML module that addresses agentic commerce fraud. The platform connects to 944 payment integrations across North America, Europe, and Asia, including Stripe, Shopify, PayPal, WorldPay, and major US/UK banks, supported by PCI Level 1 and SOC 2 Type 2 certifications.

The business model is primarily subscription-based with performance-based ROI guarantees for enterprise merchants, complemented by quote-based custom pricing for mid-market and volume-based hybrid pricing for SMBs. Revenue is generated through three streams: chargeback management services (prevention, response, recovery), enterprise software licensing of the dispute management platform, and UDMS-as-a-Service to financial institutions. Go-to-market combines direct enterprise sales, a self-serve client portal, and channel partnerships (notably acceptcards for UK distribution), with thought leadership-driven demand generation through the annual Chargeback Field Report, podcast, and free analytical tools. The company reported $24M ARR in 2025 with a $71.9M valuation, operating with approximately 218 employees (part of a broader 300+ person Global Risk Technologies network) from headquarters in Clearwater, Florida, and a European office in Rayleigh, Essex, UK.

Name

Chargebacks911

Legal name

Chargebacks911

Website

https://chargebacks911.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

Chargebacks911 is a chargeback management firm providing AI-powered prevention, representment, and dispute resolution services to 18,000+ merchants, acquirers, and issuers across eCommerce, travel, retail, digital, and financial institution segments globally.

Ownership category

akta.pro rank

Product category

Chargeback Management Software

NAICS

Collection Agencies (561440), Collection Agencies (56144), Business Support Services (5614)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)

akta.pro industry

PRIMARYFSAMALAC

Chargeback & Dispute Management

Financial & Insurance/Payments & Transaction Processing/Payment Fraud, Risk & Chargeback Management

SECONDARYFSAMALAI

Payment Abuse & Promo/Refund Abuse Prevention

Financial & Insurance/Payments & Transaction Processing/Payment Fraud, Risk & Chargeback Management

SECONDARYFSAMALAB

Risk Scoring, Decisioning & Orchestration

Financial & Insurance/Payments & Transaction Processing/Payment Fraud, Risk & Chargeback Management

SECONDARYCRAFALAE

Fraud Prevention, Risk & Chargeback Management

Consumer Products & Retail/E-commerce & Marketplaces/Digital Payment Solutions for E-commerce

Keywords

• Chargeback management
• Friendly fraud prevention
• Dispute resolution
• Payment risk mitigation
• ECommerce fraud prevention

Headquarters

HQ city

Clearwater

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Chargeback Management Services: Performance-based dispute management and representment services for merchants. The company offers ROI guarantee and performance-based pricing models, with services covering prevention, response, and recovery.
2. Enterprise Software Licensing: End-to-end chargeback management platform with customizable reporting, real-time notifications, and data analytics sold as software solutions to enterprise merchants.
3. Unified Dispute Management System (UDMS): Disputes-as-a-Service platform for issuers, acquirers, and merchants with real-time transparency and automation features.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Chargebacks911 provides an AI and machine learning-powered chargeback management platform that combines prevention, representment, and recovery services for merchants and financial institutions. Its Unified Dispute Management System (UDMS) streamlines dispute workflows end-to-end, supported by proprietary Intelligent Source Detection® technology, Auto Representment automation, and behavioral fraud detection. The company operates as a subsidiary of Global Risk Technologies and serves over 18,000 merchants globally, with performance-based ROI guarantees.

Product overview

Chargebacks911 provides an end-to-end chargeback management platform built around its core Unified Dispute Management System (UDMS), a cloud-based Disputes-as-a-Service solution developed in partnership with subsidiary Fi911. The platform employs a dual-layer management approach combining prevention (via Refund-based Prevention Alerts, Data-based Prevention Inquiries, and Merchant Compliance Reviews) with representment and revenue recovery (via Response and Representment services and Intelligent Source Detection® technology). Additional modules include ResolveLab for AI-powered analytics, Affiliate Fraud Shield, and a suite of free analytical tools (BIN Lookup, ROI Calculator, VAMP Calculator). The company operates as a subsidiary of Global Risk Technologies, leveraging patented technologies, machine learning, and human forensics to serve merchants, acquirers, and issuers globally.

Differentiator

Problem solved

Functional benefit

Brands

• Unified Dispute Management System (UDMS): A cloud-based Disputes-as-a-Service platform that streamlines dispute data and workflows for payments industry participants, launched in partnership with Fi911
• ResolveLab

Products and services

• Unified Dispute Management System (UDMS) Cloud-based Disputes-as-a-Service platform developed in partnership with Fi911 that streamlines dispute data and workflows for payments industry participants including issuers, acquirers, and merchants, offering real-time transparency, automation, and integration features.
• Response and Representment
• Intelligent Source Detection®
• Fi911
• Affiliate Fraud Shield

Quantifiable outcome

• Powering over $1.3 billion in revenue recovery for clients
• +5 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• acceptcardscoreChannel Partner/ Reseller/ Distributor · 20 May 2026Strategic partnership with UK payments broker acceptcards to provide chargeback prevention and dispute management services to acceptcards' merchant customers. Collaboration addresses rising dispute volumes and friendly fraud, which a 2025 Mastercard report cites as accounting for 45% of chargebacks.
• Fi911coreStrategic or Co-development Partner · 27 October 2025Launch of Unified Dispute Management System (UDMS), a cloud-based Disputes-as-a-Service platform that streamlines dispute data and workflows for payments industry participants including issuers, acquirers, and merchants.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Verifi (Visa): Visa-owned dispute and chargeback management provider offering CDRN alerts, Order Insight, and Rapid Dispute Resolution (RDR). Directly competes with Chargebacks911's representment and alert-based prevention products, especially in the Visa network ecosystem.
• Ethoca (Mastercard): Mastercard-owned chargeback and fraud-prevention network providing Ethoca Alerts and Consumer Clarity. Closest direct competitor in issuer-alert-based prevention; relationship with Mastercard creates both a partnership and competitive dynamic for Chargebacks911.
• Midigator: Chargeback management SaaS platform offering prevention, representment, and analytics for merchants. Directly competes with Chargebacks911 in the subscription-based dispute-management category, often cited as the primary pure-play alternative.
• Justt: AI-driven chargeback management startup focused on automated representment for e-commerce merchants. Competes with Chargebacks911 on technology stack and SMB/mid-market segment, with an emphasis on automation and AI-native architecture.
• Signifyd: Provides chargeback guarantee and fraud protection for e-commerce merchants. Competes with Chargebacks911 in the merchant-facing fraud/chargeback space, especially for enterprise retailers, though it absorbs liability rather than providing representment services.
• Riskified: Public e-commerce fraud management and chargeback guarantee company serving enterprise merchants. Competes with Chargebacks911 in the broader fraud-and-dispute category, with an AI-based decisioning platform and global merchant base.

Broad incumbents

• Kount (Equifax): Equifax-owned digital fraud prevention platform offering identity, trust, and chargeback mitigation. Larger incumbent with broader fraud scope; Chargebacks911 integrates with Kount, making it both a partner and adjacent competitor.
• Stripe (Disputes / Radar): Major payment processor with built-in dispute management (Stripe Disputes) and Radar fraud prevention. As Stripe-native merchants have less need for external chargeback tools, it represents both an integration partner and a structural threat to Chargebacks911's SMB segment.

Emerging players

• Sift: AI-based digital trust and fraud prevention platform used by large marketplaces and e-commerce merchants. Adjacent to Chargebacks911 with partial overlap in chargeback-relevant signals, but broader in scope across account abuse and content abuse.
• NoFraud: Fraud prevention platform with chargeback management capabilities, serving mid-market e-commerce merchants. Comparable technology stack and customer profile; smaller scale than Chargebacks911 but direct overlap in merchant dispute prevention.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/chargebacks911
• Facebookfacebook.com/Chargebacks911
• LinkedInlinkedin.com/company/chargebacks911

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chargebacks911