Pre-Transaction Chargeback Risk Scoring by Card History
C6/10May 27, 2026
WhatA real-time transaction screening layer that declines or flags cards with a history of excessive chargebacks across participating merchants before the sale completes.
SignalMultiple commenters ask why no processor offers a simple setting to refuse transactions from cards that have filed excessive chargebacks — even when the processor clearly has the data to do so.
Why NowVisa CE 3.0 and Mastercard's new dispute rules create a regulatory framework that legitimizes using historical dispute data, and open banking APIs make richer pre-auth checks feasible.
MarketAny merchant accepting card-not-present transactions; the addressable market is the $6T+ in annual online card payments. Visa and Mastercard have nascent programs but no merchant-facing tool exposes this as a configurable pre-auth check.
MoatData network effect — the more merchants participate, the more comprehensive the card-level risk profile becomes, making the scoring increasingly accurate and hard to replicate.
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