I am a disputes and chargebacks specialist with 13 years of experience across the payments industry, working both the acquirer side and the merchant side. Over the past year, I have processed roughly 10,000 disputes for over 100 ecommerce and subscription brands at an 80 to 85 percent win rate.
I work daily across Stripe, Shopify Payments, PayPal, Klarna, Braintree, Airwallex, PayArc, and Business Tracker. I know each platform's dispute interface, evidence requirements, submission timelines, and reason code logic.
What I offer:
Full dispute lifecycle management from chargeback notification through representment submission. I handle evidence gathering, transaction analysis, rebuttal drafting, and submission within network deadlines. I have personally drafted thousands of rebuttals across reason codes including Fraud, Item Not Received, Cancelled Recurring Billing, Incorrect Amount, Credit Not Processed, and Significantly Not As Described.
For Item Not Received cases I pull carrier data from USPS, FedEx, UPS, JCEX, UniUni, and GOFO to extract delivery timestamps, scan history, signature confirmation, and proof of delivery photos.
For Fraud disputes I dig into AVS results, CVV responses, 3D Secure authentication logs, IP addresses, device fingerprinting, and geolocation checks to challenge unauthorized claims.
For Subscription disputes I verify enrollment timestamps, renewal schedules, cancellation requests, refund eligibility, and policy acceptance records.
Background:
10 years at Global Payments Processing Centre Inc., the Manila operations arm of Global Payments Inc., a Fortune 500 US payment acquirer headquartered in Atlanta. I progressed from Disputes Analyst to Process Lead, trained 10 to 30 new analysts, and served as the subject matter expert for an 80 to 100 person department.
1 year at Chargeflow handling disputes for over 100 ecommerce and subscription merchants including Huel, Caraway, Olipop, Obvi, IMMI, and Elementor.
3 years and ongoing at Finstro, a B2B fintech that has funded over 1.3 billion dollars in transactions, where I lead resolutions and invoice validation.
Tools and platforms I use daily:
Dispute platforms: Stripe Dashboard, Shopify Payments, PayPal Resolution Center, Klarna disputes, Braintree, Airwallex, PayArc, Business Tracker, Chargeflow
Customer support tools: Helpscout, Gorgias, Zendesk
Project management and collaboration: Jira, Monday, Notion, Airtable, Google Workspace
Marketing tools: Klaviyo
Productivity: MS Office (Excel, Word, Outlook, PowerPoint), Google Sheets
I also have a redacted portfolio with three professional sample rebuttals available for review on request. Most freelance dispute analysts cannot show actual work. I can.
I am detail-obsessed, fast, reliable, and comfortable with tight deadlines. Card networks have strict response windows, so on-time delivery is built into how I work. If you need someone who can plug in, work autonomously, and recover real revenue from chargebacks that other support teams cannot defend, I can help.
