Merchanto Features

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Merchanto is an AI-powered digital payments fraud and chargeback prevention solution that offers up to 100% chargeback deflection through merchant-issuer collaboration.
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Key Features of Merchanto

Merchanto is an AI-powered digital payments fraud and chargeback prevention solution that uses merchant-issuer collaboration to stop chargebacks. It offers real-time dispute management through direct API connections with Visa and MasterCard, global reach with participating issuers, and advanced AI and machine learning analysis to prevent fraud and chargebacks.
Direct Visa and MasterCard Integration: Connects merchants directly to a global network of Visa and MasterCard issuers through a single integration.
Real-time Dispute Management: Enables near real-time sharing of dispute data between financial institutions and merchants to resolve issues quickly.
AI-Powered Fraud Prevention: Utilizes advanced AI and machine learning to analyze transactions and prevent fraud before it occurs.
Global Issuer Network: Works with thousands of participating issuers worldwide to support quick resolution at the pre-dispute stage.
Transparent Analytics: Provides merchants with access to key KPIs, approval rates, and useful statistics through a dashboard.

Use Cases of Merchanto

E-commerce Fraud Prevention: Online retailers can use Merchanto to reduce fraudulent transactions and chargebacks, improving their bottom line.
Subscription Service Protection: Subscription-based businesses can prevent friendly fraud and reduce customer disputes over recurring charges.
Travel Industry Bookings: Travel companies can minimize chargebacks related to cancelled bookings or dissatisfied customers.
Digital Goods Sales: Businesses selling digital products can reduce chargebacks related to claims of non-delivery or unauthorized purchases.

Pros

Potentially eliminates chargebacks altogether
Fast onboarding process (claimed to be one day)
24/7 support with dedicated account managers
Improves acceptance rates for legitimate transactions

Cons

May require significant changes to existing payment processes
Effectiveness may vary depending on the specific types of fraud encountered
Potential costs not clearly stated on the website

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