Chargebacks · Processing fees
Merchants lose money two ways.
We fight both.
A chargeback you never answered is a loss by default. A statement you never read is a bill you never agreed to. We handle the first for merchants on any processor, and we read the second for free.
FeeFighters in the press
The FeeFighters brand has been covered by the business press since 2010.
Door one
You have a chargeback and a deadline
Every dispute arrives with a reason code, and the code decides everything: which evidence wins, what the argument has to say, and how many days you have. We start there, tell you honestly whether the fight is worth having, and build the response package.
How it works →
Door two
You think you are overpaying
Send one month's statement. We tear it apart line by line and show you the effective rate, the padding inside the card brand bucket, and the fees that were never disclosed to you. Then we quote our own number so you can compare.
Send a statement →
The method
Reason code first, always.
Most merchants answer a chargeback with an angry paragraph and a receipt screenshot. That loses. The reason code on the notice tells you exactly what the issuing bank has to see, and every code wants something different.
63
Reason codes mapped across Visa, Mastercard, American Express and Discover, each with its own required evidence and response window.
10.4
Visa card-absent fraud, the most common dispute we see. Compelling Evidence 3.0 can shift it back to the issuer if you can produce the right prior transactions. Most merchants are never told this.
0
Disputes you win by ignoring. An unanswered chargeback is decided against you automatically, whatever the merits were.
What this has been worth
One extreme case, and two ordinary ones.
The extreme case
42% of card volume, down to 8%.
An online merchant selling a very low-priced product was paying $23,756 in processing costs on $55,575 of card volume in a single month. Two months later the same account ran $7,093 on $88,792.
The reason it got that bad is in one line of their statement: 24,574 Mastercard transactions against $35,390 of volume. That is an average sale of $1.44. At that ticket size a flat ten-cent per-item fee is seven percent on its own, before a single rate applies. On top of it they were taking roughly 190 chargebacks a month at $10 each.
Nobody had ever added up the columns and told them.
Before
42.7%
$23,756 on $55,575 of volume
After
8.0%
$7,093 on $88,792 of volume
This is the most extreme result we have on file and it is not what a typical merchant should expect. We show it because the mechanism behind it — fixed per-transaction fees quietly crushing a low-ticket business — is common even when the number is nowhere near this large.
And two ordinary ones
“We bought 1-800-GOT-JUNK Pittsburgh a few years ago and inherited the previous owner's payment company. We focused on fixing all of our other issues. We sent a statement and had a ten minute call. A few days later I got a call that we had saved over $24,000 each year, which was perfect timing since that helped us pay for new trucks and a bookkeeper.”
$24,000 a year
“I thought I was doing the best and no one could touch my deals. We spoke to FeeFighters and they were still able to save us over $4,200 a year without switching providers. I saw results within a week of speaking to them.”
$4,200 a year
Customer statements, used with permission. Results depend on your current pricing, card mix and volume. We do not promise a number before we have read your statement.
Start with whichever one is bleeding.
If a deadline is close, start with the chargeback. If nothing is on fire, send a statement and find out what the last twelve months cost you.