27 / 07 / 2026
As payment fraud becomes increasingly sophisticated and chargeback volumes surge, managing disputes efficiently is critical for merchants and acquirers. The dispute resolution landscape is evolving rapidly, with AI and automation emerging as essential tools to combat rising fraud costs and improve operational efficiency.
Friendly fraud now accounts for approximately 70% of all disputes. [1] This consumer-driven fraud category is driving merchants to invest in advanced detection and prevention tools, as traditional authorization rules prove insufficient to address this growing challenge.
AI technologies are revolutionizing dispute management by enabling real-time pattern recognition and predictive analytics. Machine learning models can identify fraud indicators before chargebacks occur, reducing dispute rates and minimizing false declines.
The accelerating shift toward digital and e-commerce transactions has expanded the dispute ecosystem. With global e-commerce projected to reach €10.2 trillion by 2030 [2], managing chargebacks at scale has become a competitive necessity, requiring integrated solutions.
Stricter payment scheme rules, PSD2, and emerging regulations are raising compliance standards for dispute handling. Organisations must demonstrate robust dispute response processes, transparent evidence management, and faster resolu
Merchants face an average cost of $191 per chargeback when including operational overhead, investigation time, and lost merchandise. For financial institutions, chargeback processing costs range from $10-$50 per dispute. [3]
Worldline’s Dispute Management solution provides a complete, end-to-end platform covering both Acquirer Processing and Issuing value chains. We deliver comprehensive dispute management services to Acquirers, Issuers, and PSPs through flexible SaaS or BPO delivery models, enabling organisations to optimise operations with increasing self-service capabilities.
Our application offers a suite of features tailored to meet the needs of dispute officers, ensuring Efficiency, Accuracy, and Compliance at every step.
The solution is built to manage disputed transactions throughout their entire lifecycle, providing extensive workflow automation, customisable dashboards, and reporting options.
Our solution helps you with intelligent automation that routes cases, generates communications, and enforces predefined business rules.
It handles hundreds of related disputes simultaneously with bulk actions, eliminating repetitive work across high-volume operations.
You'll spend less time managing disputes and more time focusing on strategy, reducing costs in the process.
You can resolve chargebacks with confidence. Whether your business involves issuers or acquirers, our unified Dispute Management platform delivers a complete solution that covers the needs of your customers.
We support the entire dispute lifecycle across major schemes—Visa, Mastercard, Cartes Bancaires, and more, ensuring every chargeback is handled efficiently.
Faster resolution. Protected margins.Happier merchants.
Dispute management turns compliance complexity into a competitive advantage by covering scheme rules, regulatory requirements, and audit trails with confidence, while Worldline handles GDPR compliance, PCI DSS certification, and regulatory oversight so you can focus on growth; spend less time on compliance and more time optimizing your dispute strategy, speed, and outcomes, and benefit from expert-level security and full regulatory oversight for peace of mind.
We support Acquirer and Issuers to transform dispute management from a costly operational burden into a competitive advantage.
Over
500k
disputes processed per year.
Significant presence
across Europe.
Trusted partner
for major European Acquirers and Issuers.
+15
years
of expertise in Dispute Management and chargeback solutions.
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