Chargebacks are hitting merchants harder than ever, with Digital Transactions estimating an annual cost of $100 billion across the industry. As consumers increasingly turn to their banks to resolve disputes—often bypassing merchants altogether—businesses face not only lost revenue but also steep fees, operational headaches, and potential penalties from card networks. At Durango Merchant Services, we’re tackling this challenge head-on through our powerful partnership with Fraud Deflect, a game-changing solution that prevents chargebacks and saves you money. Here’s how we’re helping merchants like you protect your bottom line in 2025.
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The Growing Threat of Chargebacks
The rise in chargebacks is driven by a troubling trend: consumers find it easier to dispute transactions directly with their banks, often due to unclear refund policies or the growing issue of “friendly fraud,” where legitimate purchases are disputed. These disputes come with a heavy price tag—merchants lose the transaction amount, face fees of $20 to $100 per chargeback, and spend valuable time resolving issues. For high-risk industries like nutraceuticals, travel, subscriptions, SaaS (Software as a Service), dating, and many others the stakes are even higher, as excessive chargebacks can threaten your ability to process payments.
Durango and Fraud Deflect: A Winning Combination
To combat this, Durango Merchant Services has partnered with Fraud Deflect, a cutting-edge platform that takes chargeback prevention to the next level. Unlike traditional tools like Ethoca or Verifi, which focus on resolving disputes after they’re filed, Fraud Deflect proactively prevents chargebacks through real-time data sharing. Here’s how it works:
- Real-Time Fraud Detection: Fraud Deflect uses advanced analytics, including IP addresses, device fingerprints, and purchase history, to verify transactions instantly. This data empowers issuing banks to deny invalid disputes before they become chargebacks, preserving your revenue.
- Significant Cost Savings: For a merchant facing 200 disputes with an average transaction value of $200, Fraud Deflect can deflect 20% of disputes (40 chargebacks), saving $8,000 in transaction revenue and $200 in dispute fees. Compared to interception-only services, this approach can save you approximately $6,600 monthly by reducing losses and fees.
- Seamless Integration: Fraud Deflect complements Rapid Dispute Resolution (RDR) services, reducing dispute volume by 20% while maintaining comparable costs. This makes it an ideal solution for high-risk industries prone to friendly fraud.
- Revenue Protection: Unlike interception methods that may involve refunds, Fraud Deflect saves the full transaction amount, which is critical for high-ticket sectors like gaming or subscriptions.
Practical Tips to Minimize Chargebacks
Beyond our partnership with Fraud Deflect, Durango Merchant Services equips you with strategies to further reduce chargebacks:
- Clear Refund Policies: Display return and refund policies prominently on your website, checkout pages, and post-purchase emails to set clear expectations and reduce disputes.
- Proactive Customer Support: Encourage customers to contact you before filing a chargeback. Our dedicated team at Durango is here to help you resolve issues swiftly.
- Robust Documentation: Keep detailed records of transactions, shipping confirmations, and customer communications to strengthen your case in disputes.
- Advanced Fraud Tools: Our payment gateway, enhanced by Fraud Deflect, offers tailored fraud detection settings to protect high-risk businesses like yours.
Why Choose Durango Merchant Services?
At Durango Merchant Services, we specialize in empowering merchants in high-risk industries with secure, reliable payment processing solutions. Our partnership with Fraud Deflect strengthens our ability to help you combat chargebacks, save thousands in revenue, and streamline operations. Whether you’re in nutraceuticals, gaming, subscriptions, or beyond, our tailored merchant accounts and cutting-edge fraud prevention tools are designed to meet your unique needs.Take charge of your chargebacks today, don’t let chargebacks drain your profits.
With Durango Merchant Services, you can proactively prevent disputes, protect your revenue, and focus on growing your business. Contact us today at with the application form or call to learn how our partnership can transform your chargeback management. Ready to save thousands on chargebacks? Reach out for a free consultation and discover how Durango Merchant Services can boost your bottom line!
