ERPSav

Example · Chargebacks · illustrative

From answering a third of chargebacks to answering most of them

A subscription meal-kit merchant on two processors. About 120 disputes a month triaged by reason, with evidence packs drafted from order data.

Illustrative example. A composite scenario built from typical ranges in our research, not a real customer. Your numbers will differ.

The situation

The merchant receives about 120 chargebacks a month across two processors, averaging about $84 each. Before, it answered roughly a third and won about 18 a month.

What was uploaded

  • Dispute exports from both processors for four months
  • Order, delivery-tracking and subscription-cancellation records
  • The published cancellation and refund policy

What the engine found

  • Delivered with tracking

    $11,400

    "Not received" disputes where tracking shows delivery to the customer's address.

    Rule: inr_delivered

  • Cancellation policy shown and accepted

    $8,400

    "Subscription cancelled" disputes where the customer accepted the policy and did not cancel before the charge.

    Rule: subscription_canceled

  • Prior undisputed orders from the same customer

    $6,400

    Fraud disputes where the same customer, device and address had earlier orders that were never disputed.

    Rule: prior_undisputed

The numbers

Found
$26,200
Expected
$14,400
Recovered within 4 months
$12,100

312 of 480 disputes had a contestable evidence pack; 168 were already refunded or not worth fighting. Won: $12,100, against about $6,000 in the four months before.

What it would cost, three ways

Over the same 4 months, in USD.

Self-serve

$1,196

Starter $299 a month × 4 months. Keep 100%.

Recovery plan

$1,848

$99 × 4 months = $396, plus 12% of $12,100 won ($1,452).

Managed

$2,420

20% of $12,100 won.

Time spent

About 11 hours over four months: roughly two minutes per dispute to check and submit each drafted response.

The lesson

Triage mattered as much as evidence. Setting aside disputes already refunded or not worth fighting left time to answer every strong one before its deadline.

You submit every response through your processor; ERPSav builds the evidence and the draft, and in the UK and Ireland it is software-only.