Mastering Chargebacks and E-Commerce Success: A Deep Dive with Disputifier on B2B Vault
Welcome to another Street Smarts Edition of the B2B Vault Podcast, sponsored by Nationwide Payment Systems.
This week, host Allen Kopelman sits down with Mark Wagner, founder of Disputifier—a company dedicated to helping merchants win chargebacks, prevent fraud, and stay ahead of the evolving payment landscape.
If you work in e-commerce, merchant services, or subscription billing, this episode is packed with practical advice you won’t want to miss.
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Meet Our Guest: Mark Wagner from Disputifier
Mark Wagner understands the chargeback battlefield better than most. Through his company Disputifier, he has helped countless businesses:
✔ Defend against fraudulent disputes
✔ Manage chargeback notifications
✔ Build stronger fraud prevention strategies
Mark: “When you deliver value and great customer service, everything else falls into place—chargebacks go down, and loyal customers go up.”
Hot Topics Covered in This Episode
1. The FTC’s New “Click-to-Cancel” Rule: What Merchants Need to Know
The FTC’s Click-to-Cancel Rule requires that canceling a subscription must be as easy as signing up. Businesses that make it difficult risk serious penalties—on a per-instance basis.
💡 Industries affected: SaaS companies, subscription services (lawn care, pool services, digital products), and recurring billing merchants.
✅ Best practice: Make cancellation simple and transparent—no hidden offers or multi-step processes unless the customer consents.
Mark: “Any business making cancellation complicated won’t last. You have to make it simple or face massive fines.”
2. Rising Chargeback Trends: What’s Really Happening?
Chargebacks have been steadily rising since COVID-19, especially:
✔ After the holiday shopping season (Q4 sales → Q1 disputes)
✔ In industries like e-commerce, subscription services, and travel
Mark: “Consumers have learned how easy it is to dispute charges—without consequences. Merchants have to be smarter and better prepared.”
3. Fraud Rings, RDR, and Blocking Repeat Offenders
With Real-Time Dispute Resolution (RDR) on the rise, scammers increasingly target merchants—especially low-ticket sellers.
📌 Mark’s advice:
- Use fraud prevention tools before the sale, not after the dispute.
- Blacklist repeat offenders.
- Track chargeback patterns and block suspicious activity before it escalates.
4. Risky Business Models: What to Watch Out For
Certain business models face higher chargeback risks:
🚨 Sweepstakes-based sales: Selling a product with a contest prize can be risky—stay compliant with a third-party sweepstakes company.
🚨 Drop-shipping: If you can’t deliver goods within 10 days, payment processors may reject your merchant account.
🚨 Supplements & health products: Growth industry, but careful marketing and customer service are essential to avoid chargebacks.
🚨 Travel agencies: High chargebacks + low margins make this a tough business without proper certifications (like IATA).
5. Advice for New E-Commerce Entrepreneurs
If you’re launching an online store, Mark recommends two essentials:
✔ Deliver real value through your product or service.
✔ Provide exceptional customer service—be easy to reach and responsive.
💡 Allen’s tips for building trust on your website:
- Include a clear Privacy Policy and Terms & Conditions.
- Keep Return & Refund Policies upfront and transparent.
- List prominent contact information—customers must be able to reach you.
- Answer your phones! Ignored calls today could turn into chargebacks tomorrow.
Allen: “Customer service starts with being reachable. An unanswered call today could be a chargeback tomorrow.”
Final Thoughts: Winning the Chargeback Battle
Mark sums it up perfectly—great service and real value are the ultimate weapons against chargebacks and fraud.
Whether you sell supplements, subscriptions, or travel packages, success depends on authentic business practices, clear communication, and proactive fraud prevention.
Learn More About Disputifier
Need help with merchant services and chargeback protection?
📞 Contact Nationwide Payment Systems today—we’ll connect you with Disputifier to ensure your business stays protected.
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FAQ: Frequently Asked Questions
What is the FTC’s "Click-to-Cancel" Rule?
The FTC’s new rule requires businesses to make subscription cancellations as easy as signing up. If a company makes cancellations difficult, it could face serious penalties.
Who is most affected by the "Click-to-Cancel" Rule?
Industries affected include:
- SaaS companies
- Subscription-based businesses (e.g., lawn care, pool services, digital products)
- Merchants with recurring billing
Why are chargebacks increasing?
Chargebacks have been rising due to:
- Increased consumer disputes post-COVID-19
- High holiday shopping chargebacks (Q4 purchases → Q1 disputes)
- Industries like e-commerce, subscriptions, and travel facing higher fraud risks
What can merchants do to prevent chargebacks?
Experts recommend:
- Using fraud prevention tools before a sale, not after
- Blacklisting repeat offenders
- Tracking chargeback trends and blocking suspicious activity early
Which business models have the highest chargeback risk?
Some risky models include:
- Sweepstakes-based sales
- Drop-shipping (if delivery takes more than 10 days)
- Supplements and health products
- Travel agencies (due to high chargebacks and low margins)
