Chargemont offers an automated chargeback management platform for e‑commerce merchants and online retailers. It provides real‑time alerts that trigger automatic refunds to prevent chargebacks, and a representment service that creates dynamic evidence packs to win disputes, delivering a high win rate and protecting revenue.
Funding
Funding not disclosed
Founders
Product
Problem
Merchants often lose revenue and face account risk due to chargebacks, which occur when customers dispute transactions after the sale. Traditional chargeback handling is slow, manual, and frequently results in lost disputes, higher fees, and strained relationships with payment processors.
Solution
Chargemont provides an automated chargeback management platform that intercepts dispute alerts before they become formal chargebacks, enabling automatic refunds that prevent the chargeback from reaching the processor. For disputes that do proceed, Chargemont’s representment service builds dynamic evidence packs using transaction, fulfillment, and customer data, tailoring arguments to the specific reason code, issuing bank, and order context. The platform continuously refines evidence structures through ongoing analysis of outcomes across issuers and processors, maintaining a high win rate. Integration is handled end‑to‑end by Chargemont’s team, with optional API access for custom workflows, and clients receive 24/7 Slack Connect support and proactive account health monitoring.
Target Audience
Chargemont serves e‑commerce merchants, subscription services, and online retailers who process card payments and need to reduce chargeback losses and maintain healthy processor relationships.
Features
- Real‑time chargeback alerts that trigger automatic refunds before a formal dispute is filed
- Dynamic evidence generation that pulls from transaction, fulfillment, and customer communication data
- Proprietary winning strategies refined through continuous outcome analysis across banks and reason codes
- Performance‑based representment service with a 70%+ win rate on disputed cases
- Volume‑based pricing for alerts and a 25% fee on recovered revenue, with no charges for failed alerts
- Full REST API and custom integration support for payment processors, CRMs, and order management systems
- Dedicated 24/7 Slack Connect support and ongoing account health monitoring