Your Charges.
Our Shield.
Merchants lose an average of $240 per chargeback. We recover your revenue, protect your merchant account, and stop disputes before they start.
Complete Chargeback Defense
From prevention to dispute resolution, we cover every angle so you never fight alone.
Chargeback Prevention
Proactive alerts, real-time transaction monitoring, and fraud scoring that stops disputes before they hit your account. Reduce chargebacks by up to 70%.
Dispute Resolution
Expert representment with compelling evidence packages built for each reason code. We know what card networks want to see — and we deliver it within hours.
Fraud Detection
AI-powered pattern analysis identifies fraudulent transactions in real time. Machine learning models trained on millions of merchant transactions across every industry.
Analytics & Reporting
Real-time dashboards tracking your chargeback ratio, win rates, and recovery amounts. Data-driven insights to optimize your payment operations.
Merchant Account Protection
Keep your chargeback ratio below network thresholds. We prevent account freezes, reserve holds, and processing termination that destroy businesses.
24/7 Expert Support
Round-the-clock access to chargeback specialists who understand your industry's challenges. Emergency dispute response within 2 hours, any time of day.
Defense in 4 Simple Steps
From first contact to full protection — we make chargeback defense effortless.
Free Risk Assessment
We analyze your transaction history, chargeback ratio, and business model to identify vulnerabilities and build your defense profile.
Custom Defense Plan
Your dedicated specialist creates a tailored prevention and response strategy based on your industry, volume, and specific risk factors.
Active Protection
Real-time monitoring begins immediately. We intercept disputes, build evidence packages, and file representments within hours — not days.
Recover & Optimize
Track your wins on your live dashboard. We continuously refine your strategy using data from every resolved dispute to drive your ratio down.
Real Merchants. Real Recoveries.
See the transformations our clients experience within the first 90 days.
Average ratio reduction across all clients. Well below Visa's 0.9% threshold and Mastercard's monitoring programs.
Average Q1 recovery per merchant. Most clients see positive ROI within the first 30 days of service.
Industry average is 22%. Our evidence packages and rapid response protocol deliver 4x better outcomes.
Chargeback Risk Assessment
Answer 5 quick questions to discover your business's chargeback vulnerability score.
Trusted by Merchants Everywhere
Real businesses. Real recoveries. Real protection.
"We were getting hit with 15-20 chargebacks a month and our processor threatened to drop us. LockFraud got our ratio from 2.1% down to 0.3% in 60 days. They saved our business."
"The risk assessment quiz alone showed us vulnerabilities we didn't know we had. Their team recovered $47,000 in disputed charges in our first quarter. The ROI is insane."
"As a subscription business, friendly fraud was killing us. LockFraud implemented prevention alerts that cut our dispute rate by 68%. Their 24/7 team feels like an extension of ours."
Common Questions
Free Chargeback Risk Assessment
Tell us about your business and we'll identify your biggest vulnerabilities — plus a custom defense plan, on us.
Assessment Request Received
A chargeback specialist will contact you within 2 hours with your personalized risk assessment and defense recommendations.
Stop Losing Money to Chargebacks
Every day without protection is revenue lost. Get your free assessment now — our team is standing by.
Protect My Business Now