Chargeback Lawyer for High-Value Business Disputes
We fight high-value chargebacks with legal strategy and deep payments expertise.
Chargebacks occur when a customer/cardholder disputes a financial transaction (a purchase) with their bank or credit card company, and the funds are taken out of the merchant’s account. For merchants who rely on verified transactions to conduct business, chargebacks are a major source of financial strain.
You can often appeal minor chargebacks, but high-dollar disputes tend to require legal intervention for best results. Banks want evidence that a charge is legitimate before they will return funds, so busy merchants are often left holding the bag when fraud or excessive bad transactions come through their registers.
Global Legal stands by clients, advocating for chargeback collections in high-value chargeback disputes worth an excess of $10K or more. Global Legal is one of the few law firms with payment industry expertise and specialization and a deep understanding of Visa/Mastercard regulations. Our chargeback litigation attorneys have the legal tools and passionate tenacity to escalate matters when necessary to ensure your best interests are protected.
Global Legal can fight the cardholder chargeback in two ways:
- Chargeback representment – fighting the chargeback at the bank level.
- Chargeback collections – suing the cardholder to collect the funds.
Chargeback Representment for Businesses
Chargeback representment is the process of responding to a chargeback claim. At Global Legal, our business chargeback attorneys take several specific steps to build strong, compliant representment responses, such as:
- Preparing in-depth documentation to show the legitimacy of a charge and to challenge the chargeback.
- Thoroughly analyzing processor rules and card network guidelines in order to fully understand the unique requirements of each system.
- Issuing compelling chargeback responses under the relevant Visa/Mastercard frameworks.
Global Legal has extensive experience in the electronics payments ecosystem. Our chargeback lawyers, therefore, know where to find and apply the relevant details that are necessary for a successful chargeback representment.
Watch to learn more about Global Legal’s recent $8M victory…
Chargeback Litigation & Fraud Recovery
In commercial chargeback disputes, representment sometimes isn’t enough. At this stage, litigation becomes necessary. Global Legal can employ a number of different strategies to achieve results for clients, such as:
- Going to court on behalf of merchants or ISOs to challenge the representment denial in high-value cases.
- Taking separate legal action against bad actors, fraudulent customers, or others directly responsible for the transactions in question.
- Pursuing recovery from responsible parties when the bad transactions are part of a larger scheme.
Because of the unique nature of payment industry disputes, it is critical to work with attorneys who understand the full legal implications of chargebacks beyond financial losses. Global Legal chargeback attorneys have extensive knowledge of ISO agreements, processors, and MATCH/TMF implications.
Chargeback Collections Litigation ($10K+ minimums)
Global Legal offers specialized legal collections for the payments industry, for cases that meet a minimum threshold of $10K or more. Our chargeback attorneys take steps to recover chargeback-related losses when other remedies fail.
It is usually possible to legally recover not only the amount lost through the fraudulent transaction, but also legal fees and costs to pursue payment. As Global Legal’s case studies demonstrate, success in collections is often possible by applying legal pressure to the party who owes the funds. The legal process begins with a collectibility assessment, followed by a legal judgment for the funds owed. Global Legal’s team works to use that judgment to force the debtor into compliance using legal means.
Facing significant chargeback losses? Speak with a chargeback attorney who understands the payments space.
