This is not a dispute-fighting tool. High-AOV brands contribute the customers who took the goods and charged back anyway — with delivery records, photographs and store policy attached — so every other brand can decline them before anything ships. The outcome we want is a canceled order, not a won case.
Representment is a lottery you mostly lose. Nothing here is a dispute packet, and no submission is graded on whether a bank would accept it.
If the bank ruled against you despite full delivery proof, that's the clearest signal a customer is abusing the system. Those listings carry the most weight.
We return a risk verdict and the matched signals. Canceling, holding or shipping anyway is entirely your call — we never touch the order.
Map the identity graph: every email, shipping and billing address, card BIN and last four, billing ZIP, PayPal ID, phone, device and IP — encrypted at rest, matched through blind indexes. Append new identities as the same person resurfaces under a new alias.
Exact, fuzzy and LLM matching across name, address, ZIP, card billing ZIP, PayPal ID and device. You get a verdict — approve, review or hold — with the matched signals, how many brands corroborate it, and a plain-language explanation. Then you decide whether to sell at all.
A name and a bad feeling are not a listing. Every entry needs artifacts showing the customer received what they ordered and charged back anyway. Minimum two, and one of them must prove delivery.
Carrier tracking to a delivered state, at the address on the order.
Signature capture, doorstep photo, concierge or in-store pickup log.
The goods as packed and shipped, serial or authenticity tags where they exist.
The returns, exchange and final-sale terms the customer accepted at checkout.
AVS/CVV result, IP and device, prior undisputed orders, service conversations.
Especially when the bank denied you despite all of the above.
No full card numbers, ever. Field-level encryption with blind indexes means we match without decrypting. Listed individuals can request review or removal, and uncorroborated entries expire — that's what keeps the registry defensible as well as useful.
This is a cooperative, not a vendor list. Every member contributes evidence and every member draws on it. Membership is invitation-only and capped at six founding brands for the beta.
Read from 90 days of real Shopify orders at install and re-verified monthly. Below $100 there isn't enough at stake to justify holding an order — those brands aren't a fit.
A real chargeback with reason code, processor record, and evidence the goods were delivered and accepted. Submissions without delivery proof are rejected outright.
How much history you triage, your fraud-vs-legit ratio, evidence quality, and how often other brands independently corroborate you. That score weights your reports.
The consortium is invitation-only, capped at six brands for the beta. Partners contribute their fraud evidence and screen every order for free for 24 months.
Seats opening soon
Partner logos appear here as brands are verified and join the registry. Six founding slots, invitation only.