ProofVault
TRANSACTION ASSURANCE

Builtformerchantswhocan'taffordweakrecords.

Capture policy acceptance, buyer confirmations, and fulfillment logs across the full transaction lifecycle.

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This is not a minor operational issue

Chargebacks are not a nuisance.
They are a continuity risk.

Most merchants lose disputes not because the transaction was invalid, but because the record was incomplete, scattered, or assembled too late.

Revenue Reversal

When a cardholder files a dispute, the payment is typically reversed while the case is reviewed. The issuer, not the merchant, controls the decision.

Processor Standing

At elevated dispute rates, merchants risk losing their processor relationship entirely, not just individual transactions.

Dispute Fees

Beyond the reversal itself, every dispute incurs chargeback fees. Losing means paying the reversal, the fee, and losing the goods or services already delivered.

Tight Deadlines

Visa gives merchants 20 days to respond to a retrieval and 30 days to respond to a formal dispute. Evidence must be complete, formatted, and submitted within that window.

The difference

The same dispute.
Two completely different outcomes.

Without Assurance
Dispute arrives. Scramble to find evidence.
Emails in one inbox, invoices in another, screenshots nowhere.
Processor response window: 20–30 days. Evidence assembly: days of work.
Incomplete record submitted. Missing fulfillment proof.
Bank rules in buyer's favor. Revenue reversed.
Dispute fee charged on top of the reversal.
Processor dispute rate inches toward their threshold.
No pattern visibility. Next dispute starts the same way.
With ProofVault
Transaction closes. Evidence record already built.
Policy acceptance, confirmations, and fulfillment logs captured at the time of sale.
Dispute arrives. Evidence package assembled in minutes, not days.
Processor-ready export: reason-code-informed, transaction-linked, chronological.
Submission made within hours of notification.
Stronger record means a stronger position in issuer review.
Pattern visibility across dispute history informs future transactions.
Each transaction strengthens the next.
A different approach

Most merchants prepare after the dispute.
ProofVault prepares before it.

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Pre-transaction assurance

Before Payment

Harden the transaction before it becomes vulnerable. Policy visibility checks, invoice clarity review, missing-detail prompts, and acknowledgment architecture.

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Transaction-moment capture

At Point of Sale

Capture the moment the transaction becomes defensible. Buyer confirmations, policy acceptance, timestamped transaction-linked evidence.

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Post-transaction preservation

After Fulfillment

Preserve the record with grace, not friction. Delivery confirmation, quality assurance surveys, issue interception, and communication trail preservation.

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Dispute readiness and response

If a Dispute Occurs

Respond with structure, not panic. Chronological evidence organization, processor-ready export packets, and reason-code-informed case structure.

The strongest dispute response begins long before the dispute exists.

Do not wait for a chargeback to discover how weak your transaction record really is.

Protect Your Transactions