A single chargeback can cost you $25-100 in fees, plus the lost sale, plus the product. It feels like you're being punished twice. Understanding the chargeback system can help you fight back and prevent future losses.
Chargeback fees typically include: processor fee ($15-25), card network fee ($10-20), and potential account review fees. High chargeback ratios can trigger additional monthly monitoring fees.
You can dispute chargebacks you believe are fraudulent or invalid. Gather evidence: delivery confirmation, customer communication, signed receipts. Respond within the deadline (usually 7-10 days).
Use AVS (Address Verification), require CVV, get signatures for large purchases, and use clear billing descriptors. These reduce both legitimate and fraudulent chargebacks.
If you have low chargeback rates overall, negotiate reduced chargeback fees. Some processors will lower fees for merchants who demonstrate good fraud prevention practices.
| Feature | Clover | CapClover |
|---|---|---|
| Customer Support | ✗ Long hold times, unresponsive | ✓ Your assigned rep's direct line |
| Business Funding | ✗ Limited or no options | ✓ Up to $500,000 |
| Approval Time | ✗ Weeks or denied | ✓ Same-day decisions |
| Hidden Fees | ✗ Frequently reported | ✓ Transparent pricing |
| Contract Terms | ✗ Early termination fees | ✓ Flexible terms |
Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.