Next Commerce x Chargeback.io: Helping Merchants Prevent Disputes Before They Hit
By using Chargeback.io, NEXT Merchants have greater ability to prevent and defend against chargebacks
No matter what stage of the DTC journey you are in, all merchants know that chargebacks can end up costing a lot more than the refund. They damage processor relationships, trigger fund holds, and — at scale — threaten your ability to accept payments at all.
As Next Commerce merchants running paid acquisition funnels, where transaction volume can spike fast, you know that chargeback ratios can escalate quickly and unexpectedly.
And you also know the value of a good chargeback prevention partner.
That’s why Next Commerce is excited to announce a partnership with Chargeback.io, giving our merchants even greater access to proactive dispute prevention.
Chargebacks Put High-Volume Merchants at Risk
The chargeback system was originally designed for card fraud and consumer protection. But ecommerce, subscriptions, and digital goods changed the landscape. Today, a customer disputing a charge they don’t recognize isn’t always fraud — yet the merchant still absorbs the consequences.
High chargeback ratios trigger a chain reaction: processor warnings, fund holds, account termination, and enrollment in card network monitoring programs like Visa’s VAMP or Mastercard’s MDMP. For merchants scaling through paid media, these consequences can shut down revenue overnight and significantly derail your brand growth.
The core problem here is timing. Most merchants only find out about a chargeback after it’s already been filed. By then, the fees are locked in, the ratio is affected, and the processor relationship has taken a hit.
Prevent Disputes Before They Escalate with Chargeback.io
Chargeback.io works by intercepting disputes at the earliest possible stage — before they become formal chargebacks. As an official partner of both Ethoca (Mastercard) and Verifi (Visa), they receive dispute alerts directly from the card networks.
When a customer initiates a dispute with their bank, Chargeback.io receives the alert and can automatically process a refund before the chargeback is filed. That means no chargeback fee, no ratio impact, and no risk to your processor relationship.
The flow is straightforward:
- Without prevention: Customer disputes → Bank processes → Processor notified → Chargeback recorded (fees, ratio damage, fund holds)
- With Chargeback.io: Customer disputes → Alert triggered → Refund/resolution issued → Chargeback prevented
Chargeback.io reports that merchants using their platform can reduce chargebacks by up to 91%, though results vary by vertical, transaction profile, and configuration.
How Chargeback.io Benefits Next Commerce Merchants
Here’s how Chargeback.io can help NEXT merchants:
Protect your processing relationships - Your payment stack is the foundation of your business, and dispute prevention keeps your chargeback ratios healthy and your processor relationships stable — no warnings, no monitoring programs, no surprise fund holds.
Reduce fees and recover margin - Every prevented chargeback is a dispute fee you don’t pay. For merchants processing high volumes, those fees compound fast. Chargeback.io only charges for useful alerts — no billing for duplicates.
Save operational time - Dispute management is a drain on internal resources, but automated alert-based prevention handles resolution without manual intervention, freeing your team to focus on growth.
Stay ahead as you scale - The faster your transaction volume grows, the more important it is to have chargeback prevention running in the background. What’s manageable at 100 orders a day becomes a real risk at 1,000+.
Gain visibility into dispute patterns - Chargeback.io provides reporting and insights that help you understand where disputes originate — so you can address root causes, not just symptoms.
Get Started with Chargeback.io
Getting set up is simple if you’re already a Chargeback.io customer - just install the Chargeback.io app in the NEXT App Store and follow the steps to connect your accounts.
If you’re using a different chargeback provider, have a review of your pricing and coverage and consider if Chargeback.io might be a better fit for your business.
About Next Commerce
Next Commerce helps ecommerce brands turn paid traffic into higher-value customers. It gives merchants agentic tooling to launch and iterate on customer journeys faster, with more control before and after purchase across offers, checkout flows, one-click upsells, subscriptions, payment routing, and recovery to improve CVR, AOV, and LTV.
Learn more at nextcommerce.com
Chat with us
