How It Works Coverage Pricing FAQ Get Free Audit
Chargeback Defense Intelligence

Stop Losing Revenue
to Friendly Fraud

Enterprise-grade chargeback defense built for high-ticket merchants. We handle every dispute from evidence compilation to bank submission so you can focus on your business.

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94%
Win Rate
24hr
Response SLA
$0
Upfront Cost
Active Case Dashboard
Live
Holofoil TCG Shop
INR-4821 · Stripe
$2,400
Won
Luxury Watch Co.
NAD-2291 · Shopify
$8,750
In Review
Rare Sneakers ATL
FR-0034 · PayPal
$1,150
Won
SportsBreak Live
INR-5503 · Stripe
$640
Filed
$13.7k
Recovered MTD
Win Rate 94%
Platforms we defend
Stripe
PayPal
Shopify
Amazon Pay
Square
Braintree
The Problem

The System Defaults
Against You

Traditional chargeback processes assume merchant guilt. By the time you get the notification, you've already lost the product and the payment.

Triple Loss Per Dispute
You lose the sale revenue, pay a chargeback penalty fee, and absorb the cost of goods already shipped. All simultaneously.
48-Hour Evidence Windows
Platforms give you a narrow window to respond. Most merchants miss deadlines or submit insufficient evidence.
Threshold Risk to Processing
Exceeding 1% chargeback ratio puts your entire merchant account at risk of termination, killing your ability to process payments.
$117B
Lost annually to chargeback fraud globally — the majority of which is preventable with proper dispute representation.
Source: Mastercard Global Chargeback Report
86%
Of chargebacks filed are classified as "friendly fraud" — legitimate purchases disputed by buyers who kept the goods.
Source: Midigator Chargeback Study
The Process

Our Forensic Defense
Methodology

Institutional-grade dispute management adapted from enterprise fraud frameworks used at Amazon, AWS, and Microsoft.

01
Intake & Triage
We receive the dispute notification and immediately classify it by reason code (INR, NAD, Fraudulent Transaction), determining the optimal defense strategy within hours.
24hr SLA
02
Evidence Compilation
Our forensic process gathers AVS data, IP tracking, delivery confirmation, communication logs, social proof, and third-party certifications to build an airtight case.
Multi-layer proof
03
Representment Submission
We construct and submit a perfectly formatted rebuttal package directly to the issuing bank, using the precise language and format that maximizes win probability.
Bank-optimized
Asset Coverage

Built for High-Ticket,
High-Risk Markets

Generic chargeback tools don't understand your market. We do. Our defense is purpose-built for sectors where a single dispute can wipe out a week of profit.

PSA 10
TCG & Sports Cards
Defending live breakers, single card sellers, and high-grade collectors against coordinated post-stream chargebacks and subjective condition disputes.
Post-stream fraud Condition disputes INR abuse
Luxury Goods
Watches, fine jewelry, and designer fashion where a single fraudulent chargeback represents significant financial exposure for independent retailers.
High-value INR Auth disputes Buyer's remorse
Sneakers & Streetwear
Rare and limited-release footwear markets are particularly vulnerable to market-dip fraud, where buyers dispute after values drop post-purchase.
Market dip fraud NAD claims Auth disputes
Digital Products & SaaS
Courses, software, and premium digital services where there is no physical delivery proof and fraudulent disputes are most common.
Access denial Non-delivery Subscription fraud
Concierge & Travel
Premium service providers, travel planners, and concierge businesses defending against post-service disputes and last-minute cancellation fraud.
Post-service fraud Cancellation abuse No-show claims
Art & Collectibles
Fine art, vintage items, and rare collectibles where provenance and condition documentation is critical to winning disputes.
Condition claims Authenticity High-value INR
Pricing

Transparent Pricing.
No Hidden Fees.

Start with zero commitment on our recovery share model, or lock in a monthly plan for predictable costs and priority handling.

% Recovery
Monthly Plans
Starter
No upfront cost. Perfect for testing the waters.
22%
of recovered amount only
$0
no monthly fee · 22% recovery
  • Up to 5 cases per month
  • Full evidence compilation
  • Stripe, Shopify & PayPal support
  • 48hr case submission SLA
  • Quarterly audit
  • Proactive monitoring
  • Priority support
Get Started Free
Most Popular
Pro
Best for active breakers with consistent dispute volume.
12%
of recovered + $349/mo
$349
per month · 12% recovery share
  • Up to 15 cases per month
  • Full evidence compilation
  • All major platform support
  • 24hr priority SLA
  • Quarterly chargeback audit
  • ToS & checkout flow review
  • Dedicated agent
Get Started
Elite
High-volume sellers. Flat rate, no % taken.
$899
flat monthly · no recovery %
$899
flat monthly · no recovery %
  • Unlimited cases
  • Full evidence compilation
  • All major platform support
  • 24hr priority SLA
  • Monthly chargeback audit
  • ToS & checkout flow review
  • Dedicated agent assigned
Get Started
Audit Only
One-time vulnerability review. No subscription needed.
$179
one-time · no ongoing commitment
$179
one-time · no ongoing commitment
  • Full dispute history analysis
  • ToS gap identification
  • Checkout flow review
  • Shipping protocol audit
  • Written risk report
  • Ongoing case handling
  • Monthly monitoring
Book Audit
Included in Pro & Elite
Quarterly Chargeback Audit
Every Pro and Elite client receives a full vulnerability audit covering dispute history trends, terms of service gaps, checkout flow risks, and shipping protocol weaknesses. This alone is worth more than the monthly fee for most merchants.
$179
standalone value · free with Pro+
See Plans
Client Results

Real Wins.
Real Revenue Recovered.

Early results from our initial client engagements. Full case library coming soon as we scale.

"Had a buyer chargeback a $1,800 PSA 10 after a stream. Sword & Shield built the case in less than 24 hours and we won. I didn't have to do a single thing."
JR
Jake R.
TCG Breaker · Shopify
$1,800
Recovered
"Three coordinated chargebacks after a box break. All three disputed, all three won. These guys know exactly what evidence banks actually want to see."
MT
Marcus T.
Sports Cards · Stripe
$3,240
Recovered
"I was about to just eat a $2,400 loss because I didn't think I could win. Submitted the case, bank ruled in my favor. Wish I'd found this service sooner."
SL
Sarah L.
Luxury Watches · PayPal
$2,400
Recovered

⬡   Full verified case library publishing Q2 2026. Results updated monthly.

FAQ

Questions We Get
Every Time

Everything merchants ask before signing up, answered plainly with no fluff.

We can't guarantee every case and no one honestly can. What we can tell you is that our forensic process is built on the same evidence frameworks used at enterprise scale. We win by submitting exactly what issuing banks need to see, in the format they accept. Our current win rate is 94% on cases where the merchant had adequate documentation at the time of sale.
For each dispute we'll need: the original transaction record, any communication with the buyer (DMs, emails, chat logs), proof of shipment or delivery, a description of the item and its condition at dispatch, and access to the dispute notification from your payment processor. The more documentation you have from the original sale, the stronger the case.
When a dispute is won, the recovered funds are returned directly to your payment processor account by the issuing bank, the same way a normal reversal works. Our recovery fee is invoiced separately on a monthly basis based on cases won that month. You're never asked to pay anything upfront on the Starter plan.
On the Starter plan you pay nothing as our fee is only on wins. On monthly plans, your retainer covers the service regardless of individual outcomes. If a case is lost we'll always provide a written breakdown of why and what documentation would have strengthened it, so future disputes are better defended.
Our standard SLA is 48 hours from when you submit the case to us. Pro and Elite clients are prioritized at 24 hours. Chargeback response windows vary by platform — Stripe typically gives 7-21 days, PayPal 10 days, and Shopify Payments 7 days. Getting us the case within 24 hours of receiving the dispute notification gives us the most runway to build the strongest possible response.
Yes, this is actually our core focus at launch. Live breakers face a unique fraud pattern: coordinated post-stream chargebacks where multiple buyers dispute simultaneously after a break ends. We've built specific evidence workflows for this scenario, including stream timestamp documentation, chat log preservation, and break result verification that directly counters "Item Not Received" and "Item Not As Described" claims.
The audit covers four areas: your terms of service and refund policy (gaps that buyers exploit), your checkout flow (missing authorization checkboxes or disclosure language), your shipping and delivery protocols (documentation weaknesses), and your dispute history patterns (identifying your highest-risk transaction types). You receive a written report with specific recommendations. Most merchants find at least two or three gaps they weren't aware of.
Yes, monthly plans are month-to-month with no lock-in contract. Cancel anytime before your next billing cycle and you won't be charged again. Any cases already in progress at the time of cancellation will be completed at no additional charge.
Free Audit

Know Your
Exposure Today

Get a free chargeback vulnerability audit. We'll review your current dispute history, identify your highest-risk transactions, and show you exactly how much revenue we can recover.

No commitment. Response within 24 hours.

Privacy Policy

Last updated: March 2026

1. Information We Collect

When you contact us or request an audit, we collect the information you provide directly — including your name, email address, and business name. When you engage our services, we may also collect transaction data, dispute records, and payment processor documentation necessary to build your chargeback defense case.

2. How We Use Your Information

We use the information we collect to:

3. Information Sharing

We do not sell, rent, or share your personal information with third parties for marketing purposes. We may share information with payment processors, banks, and dispute resolution platforms solely as required to represent your case. We may also disclose information if required by law or to protect our legal rights.

4. Data Security

We take reasonable technical and organizational measures to protect the information you provide. All case documentation is handled securely and access is limited to agents working on your specific cases. However, no method of transmission over the internet is 100% secure.

5. Data Retention

We retain case records and associated documentation for a minimum of 24 months following case resolution, which may be required for appeals or regulatory purposes. Contact information is retained for as long as you maintain an active relationship with us.

6. Your Rights

You may request access to, correction of, or deletion of your personal information at any time by contacting us directly. We will respond to all requests within 30 days.

7. Contact

For any privacy-related questions or requests, please contact us through the audit request form on our website. We take all privacy inquiries seriously and will respond promptly.

8. Changes to This Policy

We may update this policy from time to time. Significant changes will be communicated to active clients via email. Continued use of our services following any update constitutes acceptance of the revised policy.

Terms of Service

Last updated: March 2026

1. Services

Sword & Shield Chargeback Defense provides chargeback dispute representation, evidence compilation, and risk audit services for merchants. We act as your authorized representative in disputes with payment processors and issuing banks.

2. No Guarantee of Outcome

While we pursue every case with full diligence, we cannot guarantee the outcome of any individual chargeback dispute. Issuing banks retain final decision authority. Our fees on the Starter plan apply only to cases that result in a reversal in your favor.

3. Client Responsibilities

You agree to provide accurate and complete documentation for each case, respond to information requests in a timely manner, and notify us of any dispute deadlines immediately upon receipt. Delays caused by incomplete documentation may affect case outcomes.

4. Fees & Payment

Recovery percentage fees are calculated on the gross amount recovered and invoiced monthly. Monthly plan fees are charged at the start of each billing cycle. All fees are non-refundable once a billing period has commenced.

5. Cancellation

Monthly plans may be cancelled at any time prior to the next billing cycle. Cases in progress at cancellation will be completed at no additional charge. There are no cancellation fees or long-term commitments.

6. Limitation of Liability

Our liability to you for any cause whatsoever is limited to the fees paid by you for the specific service giving rise to the claim. We are not liable for any indirect, incidental, or consequential damages.

7. Governing Law

These terms are governed by the laws of the United States. Any disputes arising from these terms shall be resolved through binding arbitration.