Aengus Neary | 5 minute read Structured Reporting as the Control Layer Effective chargeback management requires more than tracking dispute volume. Reporting should function as a control system:  Capturing each of these 3 dimensions allows for performance improvement, greater collaboration with prevention controls and clearer impact sharing with other business units and leadership. Dispute Operations […]

Aengus Neary | 5 minute read What Effective Defence Documentation Requires When a merchant decides to defend a chargeback, the focus shifts from investigation to structured execution. A successful defence is not built on persuasion, but on compliance. The issuer is assessing whether the scheme-defined burden of proof has been satisfied, not whether the merchant’s […]

Aengus Neary | 7 minute read What is a Chargeback and Why It Happens Where Chargebacks Sit in the Merchant Process A chargeback is not just a refund processed by the bank. It is a formal card scheme process that reverses revenue, imposes strict response deadlines, and influences fraud and dispute monitoring metrics. For merchants, […]

Aengus Neary | 6 minute read iGaming operators face a dual challenge: controlling fraud-related costs while meeting increasingly stringent regulatory expectations. Unlike general eCommerce, fraud in iGaming does not only threaten margins, it directly impacts licensing, market access, and long-term viability. While the mechanics of fraud and chargebacks are well understood, the way cost accumulates […]

Aengus Neary | 8 minute read Chargebacks are rarely the result of a single failure. They emerge when fraud prevention, customer experience, fulfilment, and dispute operations fall out of alignment. As a result, the most effective way to reduce chargeback-related cost is not to optimise one tool or process, but to deploy a layered approach […]

Aengus Neary | 5 minute read Fraud-related costs rarely appear all at once; they accumulate as small, often-overlooked inefficiencies that compound across payments, operations, and growth over time. Most merchants understand chargebacks as a direct financial loss: a transaction reversed, revenue returned, and a fee applied. What is far less well understood is that the […]