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Net Recovery Rate: The Key Chargeback Metric That You’re Probably Ignoring
Most merchants managing chargebacks believe they’re doing reasonably well. They track their win rates, they represent disputes diligently, and when the numbers come back showing they’ve won nearly half their cases, they take that as confirmation that their program is working. According to new our 2026 Chargeback Field Report, merchants report winning 44.6% of the chargebacks they receive. That’s a …
Continue readingEmbedded Finance: Turning Your Merchant Platform Into a Financial Services Provider
The most successful merchants I know today aren’t just thinking about optimizing their core business operations. They’re asking a more fundamental question: What if the payment infrastructure we’ve built to support our customers could become a profit center itself? I’m talking about a shift from viewing financial services as operational overhead to seeing them as strategic opportunity. This represents one …
Continue readingThe Subscription Economy’s Chargeback Challenge: Managing Recurring Payment Disputes
When I look at the dispute patterns crossing my desk today, one thing becomes immediately clear: the subscription economy has fundamentally broken the traditional chargeback framework. We’ve taken a dispute system designed for discrete transactions and forced it to handle ongoing relationships, creating friction that benefits no one. Not merchants, not consumers, and certainly not the networks trying to adjudicate …
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