From Dispute to Victory – We Fortify Your Revenue
Structured
Chargeback
Intelligence.
Recover revenue. Reduce disputes.
Protect your merchant account.
One complimentary demo case review for new merchants.
Expertise Across Major Networks
Who We Help
Built for merchants
who fight back.
Shopify & Dropshipping Stores
Protect your store from fraudulent chargebacks and friendly fraud disputes.
Subscription Businesses
Defend recurring revenue against cancellation-related disputes.
High-Risk Merchant Accounts
Keep chargeback ratios within thresholds to maintain processing ability.
Digital Product Sellers
Combat disputes unique to digital goods, courses, and downloadable products.
Agencies Managing Ecommerce Brands
White-glove chargeback support for agencies overseeing multiple merchant accounts.
Merchants report improved win rates & reduced disputes.
Our Process
How we build
your defense.
Case Intake
Submit dispute details, transaction data, reason codes, and supporting documentation through our secure client portal.
Evidence Audit
We analyze every detail — identifying strengths, evidentiary gaps, and the most effective representment strategy for each case.
Report Assembly
A structured, processor-ready representment package is prepared with all evidence organized, annotated, and clearly documented.
Merchant Submission
You upload the finalized report directly to your processor's dispute portal — Stripe, Shopify, PayPal, or your acquiring bank.
We prepare processor-ready dispute packages. Submission is completed by the merchant or their processor.
Intelligence
Every case is a
data point.
Dispute Report Preparation
Transaction data, customer communication, delivery proof, and processor requirements — assembled into a complete representment package.
Evidence Strategy
Weak points identified. Missing documentation flagged. Strategic improvements applied to strengthen your position before submission.
Merchant Risk Guidance
Practical recommendations to reduce future disputes, lower chargeback ratios, and protect your merchant account health.
Services
What we
deliver.
Chargeback Representment Preparation
Complete dispute packages ready for submission.
Fraud & Risk Analysis
Identify patterns & vulnerabilities.
Evidence & Documentation Strategy
Ensure strongest possible cases.
Chargeback Prevention Consulting
Reduce future disputes & ratios.
Processor Compliance Guidance
Stay within Visa & Mastercard thresholds.
Risk Detection
Patterns reveal
exposure.
We don't just respond to disputes. We analyze the patterns behind them — identifying systemic vulnerabilities before they escalate.
- Network Rule Analysis — Visa, Mastercard, Amex, and Discover dispute regulations mapped to your cases.
- Platform Expertise — Deep understanding of Shopify, Stripe, and PayPal dispute centers.
- Case-Level Review — Every single case analyzed personally. You are not a number.
Why Choose Fortify
Why merchants
trust Fortify.
Human Case Review
Every case is reviewed personally by a human — not automation. You are not a number.
Ecommerce Specialization
Deep expertise in Shopify, Stripe, PayPal, and ecommerce-specific dispute flows.
Network Rule Expertise
Visa, Mastercard, Amex, and Discover dispute regulations mapped to your cases.
Knowledge Base
Timeframes &
reason codes.
Missed deadlines mean lost revenue. Understanding filing windows and reason codes for each card network is critical.
Dispute Timeframes
Standard: 120 Days
| Code | Description | Limit | Notes |
|---|---|---|---|
| 10.4 | Other Fraud — Card-Absent Environment | 120 Days | From transaction date. Common for ecommerce. |
| 13.1 | Merchandise/Services Not Received | 120 Days | From expected delivery date. |
| 13.3 | Not as Described or Defective | 120 Days | Customer must attempt return first. |
| 11.3 | No Authorization | 75 Days | Shorter timeframe. Processing errors. |
Dispute Timeframes
Standard: 120 Days
| Code | Description | Limit | Notes |
|---|---|---|---|
| 4837 | No Cardholder Authorization (Fraud) | 120 Days | From transaction settlement date. |
| 4853 | Cardholder Dispute (Defective/Not Received) | 120 Days | From delivery or expected service date. |
| 4808 | Authorization Related Chargeback | 90 Days | Strict timeframe. Proof of valid auth required. |
| 4834 | Point of Interaction Error | 120 Days | Includes duplicate processing or late presentment. |
Dispute Timeframes
Inquiry Reply: 20 Days
| Code | Description | Reply Limit | Notes |
|---|---|---|---|
| F29 | Fraud — Card Not Present | 20 Days | Immediate reply. Verify AVS/CVV matches. |
| C08 | Goods/Services Not Received | 20 Days | Provide tracking to AVS address. |
| C31 | Goods/Services Not As Described | 20 Days | Expert opinion often strengthens case. |
| M01 | No Authorization | 20 Days | Processed without valid approval code. |
PULSE / Discover
Varies by Reg E
Regulation E Guidelines
PULSE disputes often fall under US Regulation E (Electronic Fund Transfer Act).
- Consumers generally have 60 days from the statement date to dispute.
- Merchants should retain documentation for at least 2 years.
Access
Client Portal.
Secure case submission. Real-time status tracking. Document management. Everything in one place.
Access PortalCase Submission
Upload dispute details securely
Status Tracking
Monitor case progress in real time
Report Download
Retrieve completed representment packages
Contact
Let's recover
your revenue.
Submit the form for a free analysis of your recent chargebacks. We protect your data and never share it.
support@fortifychargebacks.com