Presolve Blog

Expert insights on dispute prevention, customer satisfaction, and revenue protection. Learn from our team's experience preventing disputes before they happen.

March 12, 2026 · 11 min read
Is Friendly Fraud Illegal? What Merchants Need to Know About Chargeback Fraud Consequences
The legal framework behind chargeback fraud, what penalties exist, why prosecution is rare, and what merchants can actually do to protect themselves
Friendly fraud costs U.S. merchants over $40 billion annually. When customers file false chargebacks for items they received, it's technically illegal, with penalties up to 20 years for federal wire fraud. But prosecution is rare. Here's what the law actually says and what merchants can do about it.
Presolve Team
Payment Risk Experts
March 6, 2026 · 14 min read
The AI Chargeback Fraud Wave: How Fraudsters Use ChatGPT to Scale Friendly Fraud
How fraudsters weaponize ChatGPT, AI image generators, and automated agents to scale friendly fraud — and the seven detection signals that expose them
Fraudsters are using ChatGPT to generate hundreds of convincing chargeback claims per day. They're creating fake damage photos with AI image generators. They're coordinating attacks with automated systems. AI-enabled fraud jumped 456% in one year — here's how to detect it and stop it.
Presolve Team
Payment Risk Experts
February 13, 2026 · 16 min read
The BNPL Chargeback Trap: Why Buy Now, Pay Later Has a 13% Dispute Rate
Why BNPL transactions have a 13% dispute rate, what the five structural vulnerabilities are, and six prevention strategies that cut chargebacks 60-75%
You add Klarna to your checkout page. Conversion jumps 30%. Then the chargebacks start arriving. BNPL has a 13% dispute rate — 20x higher than standard eCommerce. Here's why it happens and six prevention strategies that cut disputes 60-75%.
Presolve Team
Payment Risk Experts
February 5, 2026 · 12 min read
The Subscription Chargeback Problem: Why 70% of Your Disputes Come From Recurring Billing
Why subscription businesses face 3x more chargebacks than traditional eCommerce and how to prevent them before they hit your VAMP ratio
A customer signs up for your 7-day free trial. They test your product and love it. Then 30 days later they file a chargeback. This isn't an isolated incident — subscription businesses face chargeback rates of 1-2%, nearly double traditional eCommerce.
Presolve Team
Payment Risk Experts
February 3, 2026 · 18 min read
Shopify Chargeback Protection: Why Shopify Protect Only Solves 20% of Your Problem
Complete guide to what Shopify Protect covers, what it misses, and how to protect the other 80% of your revenue
Shopify merchants lost $33.79 billion to chargebacks in 2025. Shopify Protect covers fraud chargebacks automatically, but friendly fraud represents 60-70% of all disputes — and Shopify Protect doesn't cover it.
Presolve Team
Payment Risk Experts
January 27, 2026 · 18 min read
How to Win Chargebacks: Evidence Requirements & Templates 2026 Guide
Exact templates, checklists, and step-by-step process to maximize your dispute win rate
You just received a chargeback notification. You have 7-45 days to respond. What evidence do you need? How do you format it? This guide gives you exact templates, checklists, and step-by-step process to maximize your win rate.
Presolve Team
Payment Risk Experts