Chargeback Alerts

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HRMA-LLC is excited to offer our new Chargeback Alert Service to help you stop chargebacks before they occur. Help to reduce your chargeback ratios by 40% – 50% and mitigate excessive chargebacks.With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you  Apply Today

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What is a Chargeback Alert Service

Chargeback Alerts are tools primarily designed to resolve customer disputes to prevent issues from escalating to a chargeback. Our Chargeback Alert Service enables real time communication between issuing banks and merchants. The issuing bank alerts the merchant of an incoming chargeback before the dispute is submitted to the card network. Chargeback Alerts are especially beneficial for merchants as they help them prevent chargeback threshold breaches.

What Can You Do with Chargeback Alerts

When the issuing bank alerts the merchant of an impending chargeback, the merchant is given a 24-hour (fraud related) or 72-hour (product or service related) window to take action regarding the incoming chargeback. With this window of opportunity, merchants can take a number of actions to address the dispute. These actions could include issuing a full or partial refund, acceptingthe chargeback (or not), canceling the service, canceling or rerouting a shipment, and blacklisting a customer.

•Full or Partial Refunds

Issuing a refund, whether in full or in part, is the most common way merchants respond to chargebacks. As a merchant, you can set up certain business rules that determine the chargeback threshold for your business, which means that dissatisfied customers will automatically receive full refunds so long as the dispute is below the threshold.This effectively prevents the chargeback process from continuing

•Accepting the Chargeback (or not)

A merchant may decide to accept the dispute and refund the customer; he/she may also choose not to respond. In this case, the merchant does nothing in response to the chargeback, and the process takes its course via the card network as would be the case under normal circumstances. The dispute will impact the merchant’s chargeback ratio and incur fees. Nonetheless, you can still issue a chargeback response to fight the dispute.

•Canceling the Service

Chargeback Alerts allow merchants using recurring or subscription billing to cancel a service immediately a customer files a dispute. This action eliminates the need for your business to provide any services that would not be compensated for by the customer.

•Canceling or Rerouting a Shipment

A Chargeback Alert Service will allow merchants cancel shipments before they are received by the customer who is disputing the service. Canceling the shipment ensures the customer cannot issue a chargeback, and allows the merchant retain possession of the product. If the customer is the victim of a fraudulent transaction, canceling the shipment stops the thief from laying hands on your merchandise.

In some cases, the merchant only receives a Chargeback Alert after your shipping provider has picked up the merchandise. At times like this, the shipment can be rerouted back to your warehouse. This prevents excess losses, and is just as effective as canceling the shipment.

•Blacklisting a Customer

Blacklisting a customer is an extreme response to a Chargeback Alert, but this action could be necessary at times. A merchant may consider blacklisting the customer if the customer has issued chargebacks in the past, has attempted a chargeback fraud, or has failed to cooperate in your quest to resolve a dispute. This will protect your business against any further losses from the difficult customer.

Who Should Use Chargeback Alerts

Chargeback Alerts are beneficial for all merchants. But merchants in high risk industries and those managing businesses known to have high average chargeback ratios are the biggest beneficiaries of Chargeback Alerts. High Risk Merchants

Why Should I Enroll for Chargeback Alerts

Now that you understand how Chargeback Alerts work and the actions you can take when you receive them, you probably appreciate how valuable they can be for your business. Some of its benefits include:

•Reduces Chargeback Fees

Chargebacks come with penalty fees.So, the dispute isn’t just about refunding the customer’s money, but you are also responsible for chargeback fees imposed by just about every party involved in the chargeback process. Chargeback Alerts allow merchants avoid incurring these fees since they can issue a response before the dispute goes through.

•Safeguards Your Chargeback Ratio

Your business could be in trouble if your chargeback ratio is above 1 percent for a period of time. Even if you win most disputes, the card networks still take them into account. Chargeback Alerts allow you move ahead of the card networks to halt the chargeback process before it reaches them. This is a great way to protect your chargeback ratio.

•Protect Customer Relationships

Chargeback Alerts give merchants the chance to remedy customer relationships that would have been lost to successful chargebacks. In many cases, customers file disputes out of misunderstanding or confusion, and eventually realize this further down the chargeback process, but at this point it is too late to issue a refund. With Chargeback Alerts, you can reach out to the customer immediately after the dispute is instituted, andresolve the issue in a way that makes both parties happy.

Without doubt, Chargeback Alerts can keep you in business. They help you protect your chargeback ratio, avoid chargeback fees, and protect your relationships with your customer and even your processor. All of these factors can keep your business profitable in the long run.

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios and exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses. We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of your credit card processing needs.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly. Call us immediately to get on the fast track for Chargeback Alert Service approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!     Apply Online Today