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Payment & Dispute Investigations

We investigate dispute activity at a transactional and behavioural level — distinguishing between fraud, operational breakdowns, and customer-driven misuse. Our approach goes beyond surface metrics to identify root causes, recurring patterns, and financial exposure.

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Chargeback & Dispute Root Cause Analysis

We go beyond dispute reason codes to understand why disputes are occurring — not just how many.

  • Breakdown of dispute types, trends, and anomalies

  • Root cause identification across fraud, service, and operational drivers

  • Analysis of dispute reason codes vs actual transaction behaviour

  • Identification of recurring patterns across merchants or customer segments

Evidence Development & Representment Support

Winning disputes requires more than documentation — it requires strategy.

We build structured, evidence-backed cases to support representment and recovery efforts.

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  • Transaction-level evidence packs

  • Behavioural insights to strengthen claims

  • Alignment with scheme requirements

  • Identification of disputes with the highest recovery probability

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Merchant-Level Dispute Investigations

When one merchant drives disproportionate risk, we isolate and assess the cause.

  • High-dispute merchant deep dives

  • Product, fulfilment, or service-related triggers

  • Alignment between merchant activity and dispute profiles

  • Identification of undisclosed or high-risk business practices

Ready to register your company with ClearMarc?

To use the ClearMarc Verification and Investigation services please request a call back from our team today.

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