Paula S.

Chargebacks, fraud, and lost shipments drain your revenue. Need one person to own them from start to finish? I'm a US-based specialist for Shopify, Stripe, and PayPal sellers. I win disputes, stop fraud before it ships, and recover what you're owed. I built a fraud and dispute program from scratch and ran it for five years, taking cases through pre-arbitration and arbitration when needed. I've helped block or intercept hundreds of thousands in attempted fraud and shut down card-testing attacks. WHO I WORK WITH High-ticket and high-risk sellers where large orders and deposits attract fraud: precious metals and coin dealers, jewelry and luxury goods, electronics and gift cards, moving and freight companies, contractors paid upfront, subscriptions, and travel and ticketing. If every lost dispute hurts, I can help. CHARGEBACKS & DISPUTES • Build evidence packages that win, using IP, device, login, and delivery records • Clear backlogs before deadlines pass, including pre-arbitration and arbitration • Tailor every response to the reason code: fraud, item not received, not as described, subscription, and duplicate charges • Set up and manage dispute alerts (Ethoca, Verifi RDR, Visa CE 3.0, Order Insight, Chargeflow) • Handle ACH and eCheck returns FRAUD PREVENTION • Screen high-risk orders before you ship • Stop card testing with checkout bot protection, attempt limits, and blocking rules • Use fraud tools like Stripe Radar and Riskified to flag risky orders • Set up refund-before-dispute workflows, 3DS rules, and a clear billing descriptor INVESTIGATIONS • Trace fraud and account takeovers through email headers, IP and device records, login activity, password resets, and address changes • Piece together what happened from multiple sources and document the findings clearly CLAIMS & RECOVERY • File and appeal carrier and shipping insurance claims • Report fraud to IC3/FBI, the U.S. Postal Inspection Service, the FTC, the Secret Service, state attorneys general, and local police PROTECTING YOUR MERCHANT ACCOUNT • Monitor your chargeback ratio and warn you early if it trends toward Visa VAMP/VDMP or Mastercard ECM thresholds • Rewrite terms, policies, and checkout language that invite disputes • Help you through processor reserves, account reviews, or a move to a new processor COMPLIANCE • File suspicious activity reports (SARs) through FinCEN • Support AML/KYC reviews, sanctions screening, and transaction monitoring (certified in all three) HOW I WORK • Every case is logged in a dispute and chargeback tracker • Regular updates on what's open, what's won, and what's at risk • Weekly reports on win rates and dispute ratios by processor and reason code • Plain-English summaries of why cases were lost and what to fix I've worked with Visa, Mastercard, Amex, Discover, and ACH disputes through Shopify Payments, Stripe, PayPal, Airwallex, Ocean Payments, Worldpay, Elavon, Fiserv, Chase Paymentech, Global Payments, PaymentCloud, Authorize Net, Square, Clover, and eCheck Processing. Store platforms I know: Shopify, WordPress, Wix, Amazon, and eBay. Not sure where to start? Send me your open disputes or recent fraud losses. I'll show you where you're losing money and what to fix first.