ICM is a specialist payment-risk partner for growing eCommerce, Shopify, SaaS, subscription, and online travel businesses. We combine hands-on dispute expertise, fraud analysis, and prevention strategy to help you recover revenue, reduce disputes, and protect your payment relationships.
Real Experience Across Payment & Commerce Platforms
*Actual results vary by reason code, transaction type, evidence availability, merchant policies, processor, and dispute history.
A structured, three-phase approach — not a one-off dispute filed and forgotten.
We audit your evidence quality and identify policy gaps across the entire customer journey.
We build platform-specific, evidence-backed rebuttals with reason-code packages and full documentation.
We implement workflow improvements that reduce future disputes before they ever happen.
From evidence to strategy to reporting — everything runs through one accountable partner.
Evidence gathering, reason-code strategy, and rebuttal submission handled across every major platform.
Learn more →Pattern analysis and a prevention strategy built specifically around your business model and risk profile.
Learn more →Transparent, ongoing reporting that tracks performance and protects the health of your payment accounts.
Learn more →Measured outcomes from actual ICM dispute-management engagements — not composite or illustrative figures.
Results are specific to each engagement and are not guaranteed for every business, reason code, or processor. Read the full case studies →
Add specialist chargeback management to your service offering without building an internal risk team. Your agency builds and grows the store — ICM protects the revenue behind it.
Become an ICM Agency Partner →A chargeback is a forced reversal of a card transaction, initiated by the cardholder's bank rather than the merchant — the funds are pulled back automatically, often with an added fee, and the merchant has to formally contest it to get the money back. A refund, by contrast, is something the merchant initiates voluntarily, with no dispute process attached.
ICM is built specifically for small and mid-size businesses — e-commerce, Shopify, SaaS, subscription, online education, and travel companies that don't have a dedicated in-house fraud or dispute team, and don't need (or want to pay for) an enterprise-scale platform.
ICM has hands-on experience with Stripe, PayPal, Adyen, and Shopify — the dispute-handling process differs by platform, and that platform-specific knowledge is a core part of the service. If you're on a different processor, tell us during your free assessment and we'll let you know honestly whether ICM is a fit.
Response deadlines are set by the card networks, not by ICM — typically 30 days for Visa and 45 days for Mastercard from the point a dispute is assigned. ICM's job is to make sure evidence is gathered and a rebuttal is submitted well inside that window, every time.
Both. Chargeback/dispute response is the most visible service, but ICM also does root-cause monitoring, fraud-indicator review, and payment-risk audits aimed at reducing how often disputes happen in the first place — not just fighting the ones that already landed.
Request a free chargeback assessment. ICM reviews your current dispute activity and win rate, then recommends the right level of support — from one-time dispute handling to full-service management. No obligation, and we don't promise a specific dollar figure before we've actually looked at your data.
Yes — that's a core part of what ICM does. Agencies partner with ICM on a referral, white-label, or strategic basis to give their merchant clients access to specialist chargeback management without building an internal team. See the Agency Partners page for details.
