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Chargeback Intercept is now available on its own. It works with your existing dispute process, with or without FusionDMS, and you pay only when a chargeback is intercepted.
If your bank or credit union sends card disputes to a third-party investigator, each one costs $25 to $35 per transaction sent for investigation, plus up to an hour of staff time. Many of those disputes would have been refunded by the merchant if someone had asked.
Chargeback Intercept asks first. Eligible card disputes go to the merchant for a refund decision before a chargeback is filed, and about 40% come back resolved in under 24 hours.
Of merchant alerts resolved in under 72 hours
Investigation cost avoided per intercepted transaction
Up to an hour of staff time returned per case
Major card brands covered
Once a card dispute is confirmed as a valid claim, Chargeback Intercept sends it to the merchant for a refund decision before a chargeback is filed. Sending takes one click.
About 40% of merchant alerts come back resolved in under 24 hours. Those cases close with a documented merchant credit instead of waiting in an investigation queue.
Every intercepted chargeback is one less transaction sent to your third-party investigator. At $25 to $35 per transaction sent for investigation, the savings build with every case.
A dispute sent for investigation can take up to an hour of staff time to prepare, track and close. Intercepted cases skip that work, so your team can absorb dispute growth without adding headcount.
The Reg E clock starts when the cardholder or member reports the dispute, and interception does not change it. If the merchant declines, the case moves to your normal investigation path on the same timeline.
Chargeback Intercept works alongside the dispute process you already have, with or without FusionDMS. Our specialists will work with your team to fit it into the way you handle card disputes today.
When a cardholder or member reports a card dispute and your team confirms it is a valid claim, Chargeback Intercept alerts the merchant and requests a decision on a refund.
If the merchant issues a credit, the chargeback is intercepted before it is ever filed. Nothing is sent for investigation. The Reg E case closes with a documented merchant credit, and your team moves on.
For disputes below your institution’s auto-credit threshold, this matters even more: instead of writing off a $25 or $50 claim, you get a documented merchant resolution that recaptures that value.
If the merchant declines, the attempt closes unsuccessful and the dispute works through the investigation process you already have.
Eligible disputes go straight to the merchant for a refund decision. Roughly 40% of those merchant alerts come back resolved in under 24 hours, so cases that used to sit with an investigator for weeks close the same day.
Here is an illustrative example, not a guarantee. An institution sends 100 eligible card disputes a month to a third-party investigator at $30 each, or $3,000 a month. If 40 of them are intercepted, that is $1,200 a month in investigation fees avoided (about $14,400 a year, before Chargeback Intercept fees), plus up to 40 hours of staff time returned every month. Your results depend on your dispute volume and merchant participation.
Already on FusionDMS? Chargeback Intercept is the first step of the investigation workflow, on the same screen your investigators use today.
Using another dispute system or a third-party investigator? Chargeback Intercept works alongside your current process, and we will map out exactly how it fits during your consultation.
The investigation clock starts when the cardholder or member reports the dispute, as required. Chargeback Intercept does not pause or bypass it. It gives the merchant a chance to resolve the case inside the window you already work within.
Chargeback Intercept is priced per intercepted transaction, with a one-time activation to get started. If the merchant declines, there is no intercept charge and the dispute follows your normal investigation path.
We will walk through the numbers for your volume during a free consultation.
Chargeback Intercept handles one step: asking the merchant first. If your team also needs to take in every dispute, track Reg E deadlines and work chargebacks through to resolution, FusionDMS does all of it in one workflow, with Chargeback Intercept built in.
See how FusionDMS works for credit unions and community banks
Chargeback Intercept is a FIntegrate product that resolves an open card dispute before it becomes a formal chargeback. When a cardholder or member reports a dispute, Chargeback Intercept notifies the participating merchant, giving them a window to issue a refund before a chargeback is filed. If the merchant credits the account, the chargeback is never filed and the case never goes to investigation. In the payments industry this is sometimes called dispute deflection.
No. Chargeback Intercept is available as a standalone product and works alongside the dispute process you already have. If you use FusionDMS, Chargeback Intercept is built into the investigation workflow.
Yes, and that is where it tends to pay back fastest. Every chargeback intercepted is one less transaction sent to your third-party investigator, at $25 to $35 per transaction sent for investigation, plus up to an hour of staff time. We will map out how it fits with your investigator during your consultation.
You pay per intercepted transaction, plus a one-time activation. If the merchant declines, there is no intercept charge. We will walk through pricing for your volume during a free consultation.
Timing depends on how your institution handles card disputes today and which systems are involved. Your FIntegrate project team will set a specific timeline with you during onboarding.
FIntegrate’s 100% U.S.-based support team is available to help with questions, training and updates. Beyond reactive support, we stay in touch with clients to review results and address evolving needs.
After your team confirms a card dispute is a valid claim, sending it to the merchant takes one click. The merchant decides whether to issue a refund. About 40% of merchant alerts come back resolved in under 24 hours. If the merchant credits the account, the case closes with a documented merchant credit. If not, the dispute continues through your normal investigation process.
Eligibility depends on whether the merchant participates in the card networks’ merchant alert programs. Chargeback Intercept checks that when the dispute is sent, so your staff does not have to screen for it.
No. Chargeback Intercept runs through the card networks’ merchant alert programs, so it applies to card disputes only. ACH, check and ATM disputes follow your existing process. If you want those handled in one platform, FusionDMS covers them.
Chargeback Intercept works across the major card networks’ merchant alert programs, including Visa, Mastercard, American Express and Discover, so coverage is not limited to a single card brand.
Response windows vary by network, generally 24 to 72 hours before the chargeback becomes official. In practice about 40% of merchant alerts come back resolved in under 24 hours, so cases that used to sit with an investigator for weeks can close the same day.
The dispute continues through the investigation process you already have, and nothing is lost. The Reg E clock started when the cardholder or member reported the transaction and kept running, so an unsuccessful intercept attempt leaves you on the same timeline you would have been on anyway. The attempt and its outcome are logged with the case.
Both. The networks’ merchant alert programs carry fraud and non-fraud reason codes, including service disputes such as a cancelled subscription or goods that never arrived. Eligibility is determined by merchant participation, not by how the claim is classified. Your existing rules for handling fraud claims do not change.
No. Reg E timers begin when a cardholder or member reports a dispute, whether or not an intercept is attempted, and your institution keeps tracking those deadlines as it does today. If the merchant refunds, the Reg E case closes with a documented resolution. If not, the investigation continues on the same timeline it would have followed anyway.
An intercepted chargeback is never filed, so it never counts toward your chargeback volume and never goes to investigation. The cardholder or member is still made whole through a documented merchant credit, and the Reg E case closes with that resolution on file.
Each card dispute sent to a third-party investigator typically costs $25 to $35 per transaction sent for investigation, plus up to an hour of staff time. For institutions that auto-credit disputes below a dollar threshold instead of investigating them, that cost is absorbed entirely. Chargeback Intercept avoids the investigation cost on intercepted disputes and recovers value on low-dollar claims that would otherwise be written off.
Excited to share that FIntegrate Technology has been recognized as one of Alabama’s Best Companies to Work For in 2026! This award validates what our clients already know: our team’s expertise and engagement directly translate to better outcomes for their institutions.
Partnership Brings Industry-Leading Dispute Management, Automation and Data Conversion Solutions to Texas Community Banks
A Texas-based banking technology firm replaces a decade-old, sunset-bound system with a feature-rich, on-premise dispute management platform that brings automation, consistency, and compliance confidence to its operations.
FusionDMS helps credit unions and community banks automate dispute workflows, meet Reg E and NACHA deadlines, and produce audit-ready compliance reports without adding headcount.
When evaluating dispute management technology, one of the biggest decisions isn’t just which platform to choose, it’s how you want to deploy it. Should your institution host the solution internally, or should your technology provider manage the infrastructure for you?
Regulation E exam findings are not declining. Federal Reserve, FDIC, and NCUA examiners identified electronic fund transfer violations among the most frequently cited consumer compliance failures in 2024 — and the pattern is consistent across institutions of all sizes.
Whether you’re ready for a demo or just exploring your options, we’d love to hear from you. A member of our team will be in touch shortly.
