Payment Radar
Sertifi Blog Highlights Free Chargeback Rebuttal Service and Evidence Requirements for Merchants
Sertifi, a provider of digital contracts and payment processing, highlights its free chargeback rebuttal service for SertifiPay customers.
What changed
Sertifi has confirmed that SertifiPay customers now receive a free chargeback rebuttal service. A chargeback is a forced reversal of a card sale initiated by the cardholder’s issuing bank, governed by network rules from Visa, Mastercard, Amex, or Discover. The provider is reinforcing that merchants must actively submit evidence and rebuttal letters to card issuers to win these disputes, noting that issuers often favor the cardholder by default. This operational shift is designed to reduce the manual burden on merchants while protecting revenue from false claims.
Why a business should care
Chargebacks can result in significant revenue loss and operational strain. When a dispute occurs, the merchant typically bears the cost of gathering documentation and drafting a defense. By offering a free rebuttal service, Sertifi is directly lowering the barrier to fighting false claims. For businesses in hospitality, events, and venues, where transaction volumes and dispute risks can be high, this service helps ensure that legitimate sales are not lost to automated reversals. It shifts the dynamic from a passive acceptance of losses to an active defense of revenue.
Who it affects
This change directly impacts SertifiPay customers, with a specific focus on merchants operating in the hospitality, events, and venues sectors. These industries often face higher rates of post-transaction disputes due to the nature of their services. Merchants using other payment processors are not directly affected by this specific service offering, though the general principle of submitting evidence remains critical for all card-based businesses.
What to consider doing
SertifiPay customers should log into their merchant portal this week to locate and activate the free chargeback rebuttal service. Ensure your account settings are configured to automatically route dispute notifications to the correct team or individual responsible for handling financial operations.
Uncertainty and risks
The assessment indicates no specific risks associated with this change. However, merchants should remain aware that while the rebuttal service is free, the underlying network rules still apply. Success in winning a dispute depends entirely on the quality and completeness of the evidence submitted.
Comments