Prevent Chargebacks

Stop chargebacks before they happen

Most chargebacks start with a fraudulent signup. VerifyWall catches high-risk users at registration — before they ever enter your payment flow.

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The problem

Chargebacks occur when a cardholder disputes a transaction with their bank. For SaaS businesses, the typical pattern is clear: a bad actor signs up with a stolen credit card, uses your service, and the real cardholder disputes the charge weeks later. By then, you have already provided the service, and you lose the revenue plus a $15-$25 dispute fee. At scale, chargeback rates above 1% can trigger payment processor penalties or account termination.

The cost to your business

Each chargeback costs $15-$25 in dispute fees on top of the lost revenue. Excessive chargeback rates (above 0.65% for Visa, 1% for Mastercard) trigger monitoring programs with monthly fines of $10,000-$25,000. In severe cases, payment processors terminate your merchant account entirely — a potentially business-ending event. Beyond direct costs, chargebacks consume support team hours for evidence gathering and dispute responses.

How VerifyWall solves it

VerifyWall evaluates every signup against multiple risk signals before the user reaches checkout. By checking the email address and IP at registration, you can identify patterns that correlate strongly with chargeback fraud: disposable emails, VPN or Tor connections, datacenter IPs, and domains without MX records. Users flagged as high-risk can be routed to additional verification (phone number, ID check) or blocked from the payment flow entirely. This shifts your defense from reactive dispute handling to proactive fraud prevention.

Detection signals that apply

Disposable Email

Fraudsters use throwaway emails to avoid being traced after chargebacks

VPN / Tor

Stolen card users hide behind VPNs and Tor to mask their real location

Datacenter IP

Automated carding tools run from cloud infrastructure, not residential connections

No MX Records

Fabricated email domains that cannot receive verification or dispute emails

Integration example

Add VerifyWall to your prevent chargebacks workflow with a single API call:

// In your registration controller
$response = Http::withToken($apiKey)
    ->post('https://api.verifywall.com/v1/verify', [
        'email' => $request->email,
        'ip' => $request->ip(),
    ]);

$risk = $response->json('data.attributes');

if ($risk['risk_level'] === 'high') {
    // Require additional verification before payment
    return redirect()->route('verify.identity');
}

// Proceed to payment flow
return redirect()->route('checkout');

Frequently asked questions

How does VerifyWall reduce chargebacks?

VerifyWall detects high-risk signups before they enter your payment flow. By checking email and IP reputation at registration, you can require additional verification or block users who match fraud patterns — preventing the chargeback from ever occurring.

Can VerifyWall guarantee zero chargebacks?

No fraud prevention system can guarantee zero chargebacks. Some chargebacks come from legitimate customers disputing charges they forgot about or buyer's remorse. VerifyWall targets the fraudulent signups that lead to the most damaging chargebacks — those from stolen cards and fake accounts.

Will this slow down my checkout process for legitimate users?

No. The VerifyWall API responds in under 200ms. Most implementations check at registration, not at checkout, so legitimate users experience zero friction during payment. Only users flagged as high-risk are routed to additional verification.