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Subscription & CNP Merchants

Keep processing and keep your margin. Slyce360 shows you what is driving your disputes, fraud and refunds, and what to do about it, before a card-brand program or your acquirer does.

The risks

In the high-risk space, one bad month can cost you more than a fine.

Medium- and high-risk merchants are held to the strictest standards in payments, and the consequences arrive fast.

Card-brand monitoring programs

Visa VAMP, Mastercard GMAP and the Scam Merchant Monitoring Program (SMMP) measure your fraud, disputes and, under SMMP, even your refunds. Cross a threshold and you face fees and remediation plans or, under SMMP, immediate termination and placement on the MATCH list.

Mastercard SMMP explained

Losing your processing

When your ratios climb, your acquirer feels it first. That can mean reserves, higher pricing, tighter limits or a termination notice that shuts off revenue overnight.

Chargebacks cost more than the sale

A lost dispute takes the sale, the chargeback fee, the original processing cost, the product and your team’s time. Even a won representment rarely recovers every cost.

Who pays for a chargeback?

Friendly fraud and billing confusion

Unrecognized billing descriptors, unclear trial terms and renewals customers forgot about turn legitimate sales into disputes and fraud reports (TC40s) that count against you.

True fraud vs. friendly fraud

Mitigation leakage

Verifi and Ethoca alerts only help when they fire. Coverage gaps, overlapping services and duplicate refunds quietly drain margin and let chargebacks through.

Mitigation services can leak

Risk you can’t see

A single affiliate, campaign or offer can drive most of your fraud and disputes. Processor reports show totals by MID; they don’t show which traffic source caused the spike.

How Slyce360 helps

See the cause, not just the ratio.

Slyce360 enables Continuous Underwriting: every merchant re-evaluated transaction by transaction, with early warnings and a prescribed fix.

  1. Bring all your data together

    Slyce360 connects processor, gateway, alert and dispute data to your CRM at the transaction level, so every chargeback, TC40 and refund ties back to the affiliate, campaign, product and landing page that produced it.

  2. Get warned early

    Rules you set, plus automated rules, watch VAMP ratios, refund-plus-chargeback rates, approval-rate drops and dispute trends by MID, and alert you while there is still time to act.

  3. Know exactly what to do next

    Every alert becomes a trackable work ticket with a prescriptive action plan, built on decades of high-risk CNP experience, and a predicted likelihood of success.

  4. Make mitigation pay for itself

    See which alerts actually prevented chargebacks, where coverage leaked and where services overlap, then tune your rules and routing so you stop paying twice.

  5. Win the disputes worth fighting

    The built-in, optional representment tool uses your analytics to show which chargebacks to contest and the evidence that wins them.

  6. Speak the same language as your acquirer

    Your ISO or acquirer can see the same data and the same plan, so conversations move from warning letters to measurable progress.

How Slyce360 saves you money

Compliance that protects your margin.

  • Avoid fines, reserves and rate increases by fixing issues before you reach a card-brand or acquirer threshold.
  • Cut refunds and chargebacks at the source by addressing the traffic, offers and billing practices that cause them, instead of refunding blindly.
  • Stop paying for mitigation that leaks or double-refunds the same transaction through overlapping services.
  • Recover more margin by winning the right representments and spotting authorization problems early.
  • Give your team its time back with automated monitoring in place of manual refund reviews, escalations and compliance reporting.
  • Keep your processing and the revenue that comes with it.
See the service offering
$630K+in annual savings, with refunds down 78% and chargebacks held at 0.02%Vehicle warranty merchant · Read the case study → 90%fewer reported fraud alerts (TC40s) and a 25-point lift in settlement ratesSubscription marketing merchant · Read the case study → 1 issuerpinpointed as the source of mitigation leakage before it hurt complianceSubscription marketing merchant · Read the case study →

See what’s driving your disputes.

We’ll walk through your data and show you where the risk, and the savings, are.

Schedule a consult