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This guide explains how our Chargeback Alert system works to keep your Producer account healthy.
How Does the Pre-Chargeback System Work?
1. Learn everything about Pre-chargeback
This guide explains how our Chargeback Alert system works to keep your Producer account healthy.
Question (FAQ) | Detailed Answer |
|---|---|
What is Pre-chargeback? | It is when the immediate alert system from Mundpay identifies the chargeback request and performs the refund of the transaction before it even reaches the acquirer. As soon as a customer disputes a purchase with the card operator, our technology detects the request before it formalizes as a full Chargeback with the acquirer and reverses it. |
How does Pre-chargeback protect my account? | Upon receiving the alert, our team of specialists begins the defense and immediately reverses it. This prevents the request from advancing to the acquirer, protecting your account from penalties, fines, and restrictive actions. |
How effective is this system? | Our alert and defense system successfully protects up to 90% of chargeback requests, significantly increasing your lifespan and ability to scale sales with acquirers. |
What is the cost of the Pre-chargeback Fee? | A Pre-chargeback Fee of R$ 80.00 is charged per alert occurrence. This value covers the cost of technology and specialized defense performed by Mundpay. |
What amount is refunded in the sale? | In case of a pre-chargeback, we refund the gross amount of the transaction, not the net amount received by the Producer. Full refund of the amount is a requirement of card operators. The customer has the right to receive back the full amount they paid for the purchase. Therefore, the amount refunded equals the net amount + transaction fees. |
Do I need to register in the alert system? | No, this process is no longer necessary. All our processes are now automated and we do the registration internally! |
Updated on: 02/03/2026
FAQ: Frequently asked questions on pre-chargeback system
What exactly is the pre-chargeback?
Pre-chargeback is when Mundpay's immediate alert system identifies a chargeback request and refunds the transaction before it even reaches the acquirer. As soon as a customer disputes with their card operator, our technology detects the request before it formalizes as a complete chargeback and reverses it.
How does pre-chargeback protect my account?
When the alert is received, Mundpay's team of specialists performs the defense and immediately reverses the charge. This prevents the request from advancing to the acquirer, protecting your account from penalties, fines, and restrictive actions. The fewer chargebacks that reach the acquirer, the better your reputation.
Your margin is my opportunity.
What is the success rate of the pre-chargeback system?
The alert and defense system successfully protects up to 90 percent of chargeback requests. This means that 90 percent of disputes are resolved before reaching the acquirer, significantly increasing your account life and ability to scale sales.
How much does it cost when there is a pre-chargeback?
The Pre-chargeback Fee is charged at R$ 80.00 per alert occurrence. This amount covers the cost of the detection technology and the specialized defense performed by Mundpay to protect your transaction before it becomes an official chargeback.
What amount is refunded to the customer in a pre-chargeback?
In a pre-chargeback, Mundpay refunds the gross amount of the transaction, not the net amount retained by the seller. A full refund is required by card operators because the customer has the right to receive back everything they paid for the purchase. In practice, the refunded amount corresponds to the net value plus the transaction fees from that sale.
Do I need to do anything to activate this alert system?
No, this process is no longer necessary. All processes are now automated and Mundpay handles registration internally. All sellers receive pre-chargeback protection automatically without needing any configuration or manual registration.
Is pre-chargeback better than a real chargeback?
Pre-chargeback is better in any scenario. It costs the Pre-chargeback Fee of R$ 80.00 per alert occurrence, but the alert and defense system successfully protects up to 90 percent of requests before they formalize with the acquirer. A chargeback that does formalize lacks this defense and still exposes the account to penalties, fines, and restrictive actions.
A chargeback ratio never spikes, it climbs quietly. By the time the platform warns you, three months of damage is already booked. Anyone watching it week by week is never caught off guard.
Wellington VicenteGlobal Payments Specialist
In short
How Does the Pre-Chargeback System Work: This guide explains how our Chargeback Alert system works to keep your Producer account healthy.
