Chargeback and merchant-account consultancy
Fixed-fee engagements for merchants with a rising ratio, a warning letter, a reserve, a terminated account or a MATCH listing. Run by the author of Chargeback Proof, from twenty years on the merchant side.
The situation
A risk letter gives you ten business days. A termination holds your balance for six months. A chargeback on a five-figure order gives you a week to answer with evidence you may not have collected. In every case the person deciding has never met you, is measured on your ratio, and is looking for the fastest defensible way to close the file.
This consultancy exists to put the right document in front of that person, in the form they act on, before the deadline. It is not legal advice and it does not promise outcomes that acquirers, issuers and card networks control. It is the practical work, done by someone who has been terminated by a dozen providers and has rebuilt every time.
Engagements
For an account terminated or frozen in the last thirty days. A same-week written plan: securing the held funds, the one letter to send the acquirer, keeping the business processing through alternative rails, and the new-account strategy that fits your history. One 60-minute call and ten business days of email support.
US$4,500
The written plan your acquirer is asking for, built from your actual dispute data: diagnosis by reason code and product, dated operational changes, targets by month, and the reporting template that keeps them satisfied afterwards. Written to be read by a risk analyst. One 60-minute call.
US$4,000
For high-value disputes. I build the complete evidence package for up to five named chargebacks: summary page, reason-code response, exhibits in the order the analyst reads them, ready for submission. Includes a review of your order and shipping records so the next five need less work.
US$4,000
For merchants on the MATCH list or with a termination on record. Which providers will underwrite you and in which jurisdiction, how to present the history so it passes, how to structure the entity honestly, which terms to accept and which to negotiate, and how to get the old reserve released. Application package reviewed before it goes in.
US$5,000
A review of your checkout, fulfilment, identity verification, subscription flow, decline handling, descriptors and dispute-alert setup against every chapter of Part II of the book, with a prioritised fix list and the templates to implement it. One 60-minute walkthrough call.
US$4,000
For businesses entering a category or price point the mainstream will not touch. Payment-method mix, verification stack, processor and jurisdiction selection, the recurring-product ratio structure built in from day one, and the agreement and identity documents that make a service fee defensible.
US$5,000
Fees are fixed and payable in advance. The engagement agreement is signed electronically before any invoice is issued. No retainers, no percentage of recovered funds.
Who this is for
E-commerce owners, subscription businesses, high-ticket sellers, digital-goods merchants and consultancies, typically processing US$20,000 to US$2 million a month, who have received a letter, a reserve, a termination, or a dispute large enough that losing it matters.
It is not for merchants who want the ratio manipulated, the application misrepresented, or someone else's name put on the account. Those routes end worse than the problem they were meant to solve, and the book explains why at length.
What we don't do
Nobody can guarantee that an issuer reverses a chargeback, that an acquirer releases a reserve, or that an underwriter approves an application. Those decisions are theirs. What I commit to is the document, the deadline and the honest assessment, and to telling you before you pay if I do not think the position can be improved.
I do not submit anything to a bank or network in your name, do not act as your lawyer, and do not take a share of recovered funds.
How it works
Read first
If the situation is not urgent, Chargeback Proof gives you the whole framework for US$99.99, including the representment templates and the 30-day plan. Many merchants need nothing more. The consultancy is for when the deadline is too close, the amount too large, or the account already gone.
Two or three lines are enough: what happened, when, which processor, and the numbers you know. Mention Chargeback Proof if you have read it.