ICM is a specialist dispute-response and revenue-recovery partner built specifically for small and mid-size e-commerce, SaaS, and travel businesses — not enterprise budgets. We protect merchants on Stripe, PayPal, Shopify, Adyen, Klarna and more.
Trusted Across 20+ Payment Platforms
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 →We achieved over 60% win rate within the first quarter working with ICM.
ICM set up dispute handling across Stripe, PayPal, and Adyen in a single rollout — a huge relief for our ops team.
Compared to paying $15–$30 per case with our previous vendor, ICM simplified everything and cut our costs.
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, SaaS, subscription, 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 works across Stripe, PayPal, Shopify, Adyen, Klarna, Chase, WorldPay, Clover, and other major processors — the dispute-handling process differs by platform, and that platform-specific knowledge is a core part of the service.
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.
Book a free, no-obligation consultation. 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.
