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TotalRemit

Risk & disputes

Win the disputes you should never have had.

Layered prevention stops most fraud before authorisation. For the rest, evidence packs assemble themselves and deadlines are tracked for you.

<40ms
Fraud decision time
3-D Secure 2
Liability shift
Auto
Evidence assembly
Deadline
Tracking & alerts
Capabilities

What you get

AI fraud scoring

Device, behavioural, velocity and geolocation signals on every attempt.

Prevention alerts

Network dispute alerts let you refund before a chargeback is filed.

Automated evidence

Transaction, device, delivery and communication records compiled per case.

Representment workflow

Track every case, deadline and outcome with win-rate reporting by reason code.

How it works

Most merchants lose disputes on evidence quality, not merit.

Issuers decide on documentation. The platform captures the documentation continuously, so when a case arrives the response is already 90% written.

  • Configurable rules: block, review or step-up by amount, geography, MCC or velocity.
  • 3-D Secure 2 orchestration that shifts liability without wrecking conversion.
  • Dispute alerts from card networks with auto-refund workflows.
  • Reason-code playbooks with required evidence per network guideline.
  • Chargeback ratio monitoring with early warnings before programme thresholds.
  • Post-mortem analytics that feed rule and model tuning each month.
FAQ

Questions we hear most.

No provider can. Prevention plus alerts materially reduces volume, and structured representment improves the outcome of the cases that remain.

Finance without borders, built for what you do next.

Open a TotalRemit account in minutes, or talk with our team about embedded payment programmes.