Fraud & Chargeback Dashboard
Orders / month
847
↑ 12% vs last
Flagged
5
0.59% rate
Chargebacks
3
0.35% (ind avg 0.65%)
Defense wins
87%
26/30 this year
3D Secure rate
100%
Mandatory
5-layer protection status
1
Pre-purchase signals
8/8 active
✓ IP geo✓ Device FP✓ Velocity✓ AVS✓ CVV✓ 3D Secure✓ Email verify✓ BIN check
2
At-purchase consent
6/6 active
✓ TOS✓ Refund policy✓ No-refund custom✓ Payment auth✓ Proof approval✓ Digital signature
3
Post-purchase evidence
12/12 logging
✓ Order confirm email✓ Proof sent✓ Proof approved✓ Production photo✓ Ship confirm✓ Tracking updates✓ Delivery + sig✓ Delivery photo✓ Comm log✓ Service milestones✓ Client access log✓ Download log
4
Chargeback defense package
11 reason codes covered
✓ Fraud (10.4)✓ Not received (13.1)✓ Not as described (13.3)✓ Defective (13.4)✓ Service not rendered (13.5)✓ Duplicate (12.6)✓ Credit not processed (13.6)✓ Cancelled recurring (13.2)✓ Wrong amount (12.5)✓ Cancelled order✓ Friendly fraud
5
Enforcement
Active
✓ Blacklist✓ Review queue✓ Ship≠Bill flag✓ Repeat CB block✓ Auto-reorder block✓ Affiliate clawback
Recent chargebacks
| Order | Customer | Amount | Reason code | Filed | Status | Action |
|---|---|---|---|---|---|---|
| #ORD-9102 | M. Johnson | $892 | 13.1 Not received | Mar 29 | Open | |
| #ORD-8955 | R. Patel | $1,120 | 10.4 Fraud | Mar 22 | Won | |
| #ORD-8801 | L. Chen | $567 | 13.3 Not as described | Mar 18 | Open |
Layer 1: Pre-purchase signals
Eight automated checks run before checkout. Combined into a composite risk score (0–100). Orders above threshold go to manual review.
| Signal | What it catches | Weight | Status |
|---|---|---|---|
| 3D Secure 2.0 | Shifts liability to issuer. Mandatory — cannot be disabled. | 20 pts | Mandatory |
| Velocity check | 3+ orders from same email/IP/device in 24h. | 20 pts | Active |
| IP geolocation | Foreign IP + US billing. TOR/VPN exit nodes. | 15 pts | Active |
| AVS match | Billing address vs card issuer records. | 15 pts | Active |
| Device fingerprint | Canvas/WebGL FP. Same device, different names. | 10 pts | Active |
| CVV required | Security code mandatory. No exceptions. | 10 pts | Active |
| Email verification | Deliverability, domain age, disposable detection. | 5 pts | Active |
| BIN check | Prepaid cards, high-risk issuers, foreign banks. | 5 pts | Active |
Risk thresholds
0–30
Auto-approve
31–60
Manual review
61–100
Auto-hold + alert
Layer 2: Consent capture
Every purchase requires explicit consent. Checkboxes and acknowledgments are logged with timestamp, IP, user agent, and device fingerprint.
Checkout consent (cart-checkout.html)
Logged per consent event
| Field | Example | Used in defense PDF |
|---|---|---|
| Timestamp | 2026-03-28T14:14:32Z | ✓ |
| IP address | 72.134.88.42 | ✓ |
| User agent | Mozilla/5.0 (Macintosh...) | ✓ |
| Device fingerprint | fp_8a3b2c1d9e | ✓ |
| Checkbox text (exact) | "I understand that custom..." | ✓ |
| Digital signature | John Smith (typed) | ✓ |
| Page URL | /cart-checkout | ✓ |
| Session ID | sess_a1b2c3d4 | Internal |
Layer 3: Evidence log
Every touchpoint logged automatically. Organized by product type — physical products, digital services, and subscriptions each have different evidence requirements.
Physical productsDigital servicesSubscriptions
Physical product evidence (cards, flyers, banners, apparel)
Order confirmation
Email with order details sent within 60 seconds. Mailgun delivery receipt + open tracking. Contains: items, specs, total, billing/shipping address.
Proof sent + opened
Proof review email with link. Tracked: delivery timestamp, open timestamp, clicks. Proof page shows exact design at print resolution.
Proof approved + signed
Customer clicks "Approve" with typed signature. Screenshot of approved proof saved. IP + device + timestamp logged.
Production photo
Photo of finished product on press floor before packaging. Timestamped. Shows: product matches approved proof, quantity visible, quality check passed.
Shipping confirmation
Email with carrier name, tracking number, estimated delivery. Tracking page accessible by customer.
Tracking updates
Full scan history from carrier: picked up → in transit → out for delivery → delivered. GPS coordinates on each scan.
Delivery confirmation + signature
Carrier proof of delivery with signature image, GPS coordinates, timestamp. Name on signature compared to cardholder name.
Delivery photo
UPS/FedEx photo-on-delivery showing package at door. Matches shipping address. Available for most residential deliveries.
11 Chargeback Reason Codes
Every possible chargeback reason mapped to Inkgility's product types with specific defense evidence for each.
| Code | Claim | Risk | Products affected | Key defense evidence |
|---|---|---|---|---|
| 10.4 | Fraud — "I didn't authorize this" | Medium | All | 3D Secure auth (liability shift), AVS/CVV match, device FP, IP match, consent checkboxes |
| 13.1 | Item not received | HIGH | Cards, flyers, banners, apparel | Tracking + carrier scans, delivery signature, GPS coordinates, delivery photo, shipping confirmation email |
| 13.3 | Not as described / different item | HIGH | Print (color, specs, material) | Approved proof vs production photo side-by-side, spec confirmation at checkout, proof approval + signature |
| 13.4 | Defective / poor quality | Medium | Print, apparel | Production QC photo, approved proof, material specs confirmed at checkout, re-print offer before chargeback |
| 13.5 | Service not rendered | HIGH | Websites, logos, marketing, design | Milestone delivery log, client approvals, screenshots, access logs, download records, communication transcript |
| 12.6 | Duplicate charge | Low | All | Transaction IDs proving different orders, itemized receipts, different dates/amounts/products |
| 13.6 | Credit not processed / refund not received | Medium | All (refund requests) | Refund processing log with ARN, refund confirmation email, processing timeline (5-10 business days) |
| 13.2 | Cancelled recurring billing | Medium | Corporate Solutions, Co-Branded subs | No cancellation on record, subscription agreement, billing reminders, usage activity during period |
| 12.5 | Wrong amount charged | Low | All | Order confirmation showing agreed amount, price shown at checkout, itemized receipt, no price changes post-order |
| — | Cancelled before shipment | Medium | Print products | Cancellation policy (non-refundable after production), production start timestamp, proof approval timestamp |
| — | Friendly / family fraud | HIGH | All (hardest to fight) | IP/device match to account, delivery sig match, prior purchase history, post-delivery engagement, reorders |
Defense PDF Generator
Inkgility
Chargeback Defense Package
Generated: March 31, 2026 · Case ID: CB-2026-0331-001
Merchant
Inkgility LLC · Where ink meets intelligence.
support@inkgility.com · +1.877.385.4654
1. Transaction details
Order#ORD-8850
DateMarch 26, 2026 · 10:32 AM EST
Amount$458.99 USD
CardVisa ****4242 — Chase Bank NA (US issued)
CardholderJohn Smith
Billing3500 Lenox Rd NE #1500, Atlanta, GA 30326
Shipping3500 Lenox Rd NE #1500, Atlanta, GA 30326 (matches billing)
ItemsGold Metallic Cards ×500 + Standard Cards ×250
2. Authentication
✓ 3D Secure 2.0 — Authenticated. ECI: 05. Auth code: 8A3B2C. Liability shifted to issuer.
✓ AVS — Full match (street + zip). Response: Y.
✓ CVV — Verified. Response: M.
✓ Risk score: 12/100 (Low). IP: 72.134.88.42 (Atlanta, GA — matches billing).
✓ BIN: US-issued Visa, Chase Bank NA. Not prepaid.
✓ Email: john@apexrealty.com — domain age 8yr, corporate, deliverable.
3. Customer consent
✓ TOS accepted — Mar 26, 2026 10:31 AM · IP: 72.134.88.42
✓ Refund policy — "Custom print products are non-refundable once production begins."
✓ Payment auth — "I confirm this order is authorized and the payment method belongs to me."
✓ Proof approved — Digital signature: "John Smith" — Mar 28, 2026 2:14 PM
4. Delivery evidence (reason: item not received)
✓ Shipped via UPS — Tracking: 1Z999AA10123456784 — Mar 30, 2026 9:15 AM
✓ Full tracking scans: Picked up (Atlanta) → Hub (Memphis) → Out for delivery (Atlanta) → Delivered
✓ Delivered — Apr 2, 2026 1:22 PM — Signed by: J. SMITH — GPS: 33.8462° N, 84.3622° W
✓ Delivery photo: Package at front door of 3500 Lenox Rd NE (UPS Photo on Delivery)
✓ Shipping address matches billing address and cardholder's known business address.
5. Post-delivery engagement
✓ Apr 2, 3:45 PM — Customer message: "Cards look great! Thanks for the fast turnaround."
✓ Apr 5 — Customer placed new order #ORD-8920 ($225) from same account, same card.
✓ Apr 8 — Customer logged into portal, downloaded invoice for #ORD-8850.
6. Timeline
Mar 26 — Order placed, 3D Secure authenticated, consent captured
Mar 27 — Proof sent, reviewed, and opened by customer
Mar 28 — Proof approved with digital signature, production started
Mar 29 — Production photo captured (QC passed)
Mar 30 — Shipped via UPS with tracking
Apr 2 — Delivered, signed by J. SMITH, delivery photo captured
Apr 2 — Customer confirms satisfaction via chat
Apr 5 — Customer places reorder from same account
Merchant statement
This transaction was fully authenticated via 3D Secure 2.0 with liability shift. The cardholder provided explicit consent to our Terms of Service, non-refundable product policy, and authorized payment. The product was shipped via UPS with tracking, delivered with a signature matching the cardholder name, and photo proof of delivery was captured. The customer confirmed satisfaction post-delivery and placed a subsequent order from the same account. We respectfully request this chargeback be reversed in the merchant's favor.
Inkgility LLC
Authorized Representative
DEF-2026-0331-8850
Order review queue
Orders flagged by the risk engine (score 31+). Approve to release, hold for investigation, or block and blacklist.
| Order | Customer | Amount | Risk | Flags | Queue time | Actions |
|---|---|---|---|---|---|---|
| #ORD-9102 | M. Johnson mjohnson@gmail.com | $892 | 85 | Ship≠Bill Prepaid | 4h 22m | |
| #ORD-9098 | K. Williams kwilliams99@proton.me | $1,245 | 78 | 3×/24h New email | 2h 15m | |
| #ORD-9095 | A. Martinez alex@martinez.law | $567 | 48 | Foreign IP | 1h 03m | |
| #ORD-9085 | R. Davis rdavis@outlook.com | $342 | 52 | AVS partial | 45m | |
| #ORD-9080 | T. Nguyen t.nguyen@company.com | $2,100 | 38 | High amount | 20m |
Blacklist
| Type | Value | Reason | Added | Action |
|---|---|---|---|---|
| fraudster@tempmail.com | 3 chargebacks in 60 days | Mar 15 | ||
| IP | 185.220.101.42 | TOR exit node | Mar 10 | |
| Device | fp_x92k4m8n1z | 6 orders, different names | Mar 8 | |
| BIN | 4111-11** | High-risk prepaid issuer | Feb 28 | |
| *@disposablemail.org | Disposable domain blocked | Feb 20 |
Auto-blacklist rules
✓ 2+ chargebacks → auto-block✓ 5+ failed payments/hour → IP block 24h✓ Disposable emails → auto-reject✓ TOR/VPN → flag (not auto-block)✓ Chargeback → 60-day affiliate clawback✓ Chargeback → block reorders for 12 months
Fraud settings
Risk thresholds
Auto-approve below
Manual review above
Auto-hold above
3D Secure
Velocity limits
Max orders/email/24h
Max orders/IP/24h
Max failed payments/hour
High-amount flag ($)
Alerts
