Calculate, reconcile, and automate chargeback representment visa workflows 100% locally in your browser with zero monthly SaaS subscription fees.
Instant 50ms preview directly in your browser. Zero server queues, zero data leaks.
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Supports CSV, JSON, TXT, XML & Log Streams
=SUMIFS(chargeback_gross, SKU, A2) - VLOOKUP(A2, chargeback_fees!A:D, 4, FALSE)⚠️ Why Manual Formulas Fail at Scale: Manual spreadsheet formulas break on multi-row chargeback representment adjustments, tiered fees, and CSV delimiter shifts.
🛡️ Zero-Upload Local Studio Advantage: Run Chargeback Representment calculations and CSV checks 100% locally in your browser.
Core capabilities built into ChargebackGuard Studio
Calculates the exact dollar threshold where fighting a Visa 10.4, 13.1, or Mastercard 4853 dispute yields positive expected value after factoring in $15–$25 gateway fees and prep labor.
Simulates how TC40 fraud notices and TC15 disputes combine under Visa's unified VAMP ratio so you stay below the 0.90% warning threshold and avoid $10 per-dispute network fines.
Compares paying a $12–$15 Verifi RDR / Ethoca alert fee to auto-refund low-AOV orders before they become chargebacks versus fighting high-ticket orders through representment.
Eliminates the 25% gross recovery commission charged by automated chargeback apps—saving $18,000+/year for stores recovering $6,000/month in wrongful friendly-fraud disputes.
Zero configuration, zero cloud server dependencies, instant execution.
Drop your monthly gateway dispute export or choose reason codes (Visa 10.4, 13.1, 13.2, MC 4853) with order value, COGS, and gateway fee rules.
Drag the win-rate slider to see which disputes have positive expected recovery value and which low-AOV claims should be deflected via Verifi RDR.
Download a clean SKU & order-tier decision sheet showing exact fight/accept/RDR rules and required Compelling Evidence 3.0 fields.
See why merchants and prosumers switch from monthly subscriptions to our local buyout.
| Feature / Metric | 🛡️ ChargebackGuard Studio | ☁️ Cloud SaaS (Chargeflow) |
|---|---|---|
| Pricing Model | 🛡️ $19 One-Time Lifetime Buyout (€3.99 Quick Pass) | ☁️ Cloud SaaS Upload |
| Reason-Code Break-Even AOV Math | 🛡️ Instant Visa 10.4 / 13.1 / MC 4853 EV & Labor Cutoff | ☁️ Cloud SaaS Upload |
| Visa VAMP 0.90% & RDR Arbitrage | 🛡️ Unified TC40 + TC15 Ratio & RDR Deflection Optimizer | ☁️ Cloud SaaS Upload |
| Order & Customer Data Privacy | 🛡️ 100% Local Browser Execution (Zero Store API Access) | ☁️ Cloud SaaS Upload |
Eliminate vendor lock-in and cloud upload security risks.
Why pay recurring monthly SaaS fees for chargeback representment workflows? Switch to ChargebackGuard Studio for a single $19 buyout.
Chargeflow syncs your data to remote servers. We process 100% locally on your machine.
Process multi-row chargeback representment files instantly without broken VLOOKUP/SUMIFS formulas.
Deep technical breakdown driving our client-side productivity engine.
Processes ChargebackGuard Studio structures directly inside isolated browser memory.
Ensures zero ChargebackGuard Studio bytes touch external API servers or third-party storage.
Parses high-throughput ChargebackGuard Studio records in real-time with sub-50ms response times.
Complete commercial data sovereignty with standalone offline capability.
No monthly bills. No sneaky price hikes. Pay once, use forever.
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Everything you need to know about privacy, local memory execution, and buyouts.
Multiply the total recoverable amount by your reason-code win rate, then subtract the internal labor cost of building the evidence packet and non-refundable gateway fees.
Visa's Acquirer Monitoring Program combines fraud reports (TC40) and non-fraud disputes (TC15) divided by total settled transactions. Exceeding 0.90% triggers merchant monitoring.
A 25% fee is charged on gross order value, not net profit. If your store runs at a 22% net margin, winning a dispute through a 25% commission app still leaves you net negative.
Use RDR or Ethoca auto-refunds when the order value is below your representment break-even AOV or when your monthly VAMP dispute count is approaching the 0.90% ratio ceiling.
Visa CE 3.0 requires at least two prior undisputed transactions from the same cardholder more than 120 days old sharing two matching data elements like IP address or device ID.
Never. All chargeback win-rate simulations, VAMP ratio checks, and CSV parsing execute 100% locally in your browser RAM with zero cloud uploads.