Merchanto

What is Merchanto?

Merchanto is a comprehensive chargeback protection platform designed to safeguard businesses from payment disputes, fraud charges, and revenue loss. As an official Visa and Mastercard partner, Merchanto offers a complete prevention stack that includes Visa RDR, CDRN, Order Insight (CE 3.0), Mastercard Alerts, and Consumer Clarity. This ensures proactive chargeback deflection up to 100%, helping merchants maintain healthy merchant accounts and avoid costly monitoring programs like VAMP and Mastercard Monitoring Program.

The platform operates as a trusted intermediary between card issuers and acquirers, delivering real-time alerts when a customer disputes a payment. Merchanto automatically notifies merchants, who can then provide a resolution outcome—such as issuing a refund or providing compelling evidence—to prevent the chargeback from occurring. This seamless process reduces dispute rates and protects revenue.

Key features include automated dispute management, recovery of funds through Visa CDRN/RDR and Mastercard Alerts, and comprehensive reporting with TC40 and SAFE reports. Merchanto integrates effortlessly with all major payment service providers (PSPs) via no-code integration, supporting platforms like Stripe, PayPal, Shopify, and more. For advanced needs, the Merchanto API allows custom integrations into existing systems.

Use cases span e-commerce, subscription services, digital goods, and high-risk industries where chargebacks are common. Benefits include reduced operational overhead, improved cash flow, and enhanced customer trust. Technical details highlight full-cycle automation—from prevention to recovery—and compatibility with all major payment gateways. Merchanto also offers partnership programs including Referral, Reseller, and White Label options, along with 24/7 support. With a low dispute rate of 0.22% and proven track record, Merchanto is the go-to solution for businesses seeking robust chargeback protection.

Use Cases