What We Do
Card protection built at the sale, not after the claim.
The whole difference is timing. A record created while everyone is present holds up. A record reconstructed three months later under a 20-day deadline almost never does.
Two Threats We Close
Unauthorized cards and first-party misuse are different problems.
Threat 1
Stolen & unauthorized card use
Our Answer
Verification at point of card payment
Threat 2
First-party misuse & friendly fraud
Our Answer
Contemporaneous record at card checkout
The Clock
You have 20–45 days. The customer had 120.
Merchants respond under a materially shorter window than the one cardholders used to file. Missing the deadline loses the case by default regardless of merit.
| Window | Length | What it governs |
|---|---|---|
| Cardholder dispute filing window | up to 120 days | How long a cardholder has to initiate from transaction date. |
| Merchant response window | 20–45 days | Varies by reason code and card type. Materially shorter than the filing window. |
| Average staff hours per response | 3–5 hours | Pulling records, correspondence, and writing the rebuttal. |
| Network monitoring threshold | ~0.9% | Sustained dispute ratios trigger monitoring programs and fees. |
| When our record is ready | Day 0 | Established at the card sale. No reconstruction under pressure. |
What We Are
A card protection layer — not a bank, not a processor.
An assurance layer
We add what card acceptance never had: a contemporaneous record of who paid, what they agreed to, and what was delivered.
Independent of your stack
We operate alongside your processor and acquirer. Existing agreements stay as they are. We never touch settlement.
Represented, not advised
The dispute response is prepared and submitted on your behalf, inside the window, every time. You do not manage disputes.
See How ChargeSecured Protects You
Tell us your industry and your card volume. We will walk through your actual exposure.