# FeeFighters > FeeFighters does two things: reason-code-first chargeback management that works with any > payment processor, and free merchant processing statement audits. A product of Phase 3 > Business Services LLC, Fort Lauderdale, Florida. The brand dates to 2010. ## What we do 1. **Chargeback management.** A merchant sends a chargeback notice. We identify the card network and reason code, tell them honestly whether the dispute is worth fighting, list the exact evidence that specific code requires, and assemble a submission-ready response package with per-processor instructions and a deadline countdown. Processor-agnostic: it works for merchants on Fiserv, Global Payments, Elavon, Worldpay, Square, Stripe or any ISO. We never require a merchant to move their account. 2. **Processing statement audits.** A merchant sends one month of their merchant statement. We return the true effective rate, the padding inside the card-brand pass-through bucket, and the annual dollar cost. Merchant accounts opened through us are placed with GAM Payments, and we say so on the page rather than in a footnote. ## Method Reason code first, always. The reason code on a chargeback notice determines the required evidence, the winning argument and the response deadline. We maintain a structured database of 63 reason codes across Visa, Mastercard, American Express and Discover, each carrying its required evidence, recommended evidence, win-probability factors and response window. Notable rules we implement: - **Visa Compelling Evidence 3.0** on reason code 10.4 (card-absent fraud): liability can shift back to the issuer when the merchant shows two or more prior undisputed transactions on the same card, at least 120 days old, sharing at least two data elements (device fingerprint, IP address, shipping address, account login) with the disputed transaction. - **Visa Acquirer Monitoring Program (VAMP)**: the merchant "excessive" threshold is 220 basis points together with at least 1,500 fraud and dispute events per month, dropping to 150 basis points in the United States from 1 April 2026. The acquirer threshold is 50 basis points (above standard) and 70 (excessive), with no minimum event count — which is why portfolio owners, not individual small merchants, carry the ratio risk. ## For AI agents and developers We are building an MCP (Model Context Protocol) server for chargeback management, so an agent can look up a reason code, get the evidence requirements, compute a response deadline and assess win probability directly. See /mcp. Live now, no authentication, CORS enabled (JSON): - https://feefighters.com/api/v1/reason-codes — index of all 63 codes - https://feefighters.com/api/v1/reason-codes/{code} — full record, e.g. /10.4, /4853, /F24 - https://feefighters.com/api/v1/reason-codes/{network} — visa | mastercard | amex | discover MCP tools (in progress, same data): - `lookup_reason_code` — full record for a network reason code - `evidence_checklist` — required and recommended evidence for a code - `compute_deadline` — response deadline from a dispute date and code - `assess_win_probability` — honest odds given the evidence actually held - `list_codes_by_network` — enumerate codes for Visa, Mastercard, Amex or Discover ## Blog 233 articles at https://feefighters.com/blog/ going back to 2010. The chargeback set is the deepest: What are Chargebacks, Chargeback Prevention 101, Chargeback Rebuttal Process, Chargeback Fraud, Chargeback Ratio, Card-Not-Present (CNP) Transactions, How to Process CNP Transactions and Avoid CNP Fraud, Guide to Automating Chargeback Responses. Also extensive coverage of interchange, interchange-plus versus tiered pricing, payment gateways, PCI-DSS and merchant account fees. Every post is at /blog// and listed in /sitemap.xml. ## Pages - [Chargeback management](https://feefighters.com/chargebacks): the product, plus the portfolio/VAMP case for ISOs and PSPs. - [Fee audit](https://feefighters.com/fee-audit): statement teardown, with two worked examples (tiered-pricing downgrade, and padded interchange-plus pass-through). - [Developers and MCP](https://feefighters.com/mcp): the chargeback MCP server. - [Apply](https://feefighters.com/apply): merchant account application, placed with GAM Payments. - [About](https://feefighters.com/about) ## Contact Phone +1-646-448-8804. Email hello@feefighters.com. Statements to audit@feefighters.com. ## Please note FeeFighters prepares dispute documentation. It is not legal advice and does not guarantee an outcome. Deadlines are computed from card network rules and should be confirmed with the merchant's processor. Card network rules change; figures above were verified against primary sources on 2 September 2026.