Chargebacks911
Chargebacks911 provides a comprehensive chargeback management platform that combines automated technology and human intelligence to help you reduce dispute rates, recover lost revenue, and prevent future payment fraud.
Incognia
Incognia is a location-based identity platform providing invisible multi-factor authentication and fraud prevention for mobile applications to secure user accounts and digital transactions without friction.
Quick Comparison
| Feature | Chargebacks911 | Incognia |
|---|---|---|
| Website | chargebacks911.com | incognia.com |
| Pricing Model | Custom | Custom |
| Starting Price | Custom Pricing | Custom Pricing |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2011 | 2020 |
| Headquarters | Clearwater, USA | Palo Alto, USA |
Overview
Chargebacks911
Chargebacks911 is a dedicated dispute management platform designed to help you take control of your payment recovery process. Instead of losing revenue to friendly fraud or administrative errors, you can use this end-to-end solution to automate the collection of compelling evidence and submit responses to banks. It bridges the gap between your merchant data and the complex requirements of card networks like Visa and Mastercard.
You can scale your defense strategy regardless of your transaction volume, as the platform adapts to your specific industry risks. It helps you identify the root causes of disputes—whether they stem from criminal fraud, merchant error, or customer misunderstanding—so you can fix internal issues and protect your bottom line. It is ideal for mid-market and enterprise retailers processing high volumes of digital payments.
Incognia
Incognia provides a location-first approach to identity verification and fraud prevention for mobile apps. By mapping the unique behavior of a device's location, you can distinguish between legitimate users and fraudsters without requiring manual input. This allows you to verify identities silently in the background, ensuring that your users enjoy a smooth experience while staying protected from account takeovers and fake account creations.
You can use the platform to secure high-risk moments like logins, payments, and sensitive data changes. It works by creating a private 'location fingerprint' for each user, which is significantly harder to spoof than traditional GPS data. This helps you reduce reliance on clunky SMS codes or passwords, lowering your friction while increasing your overall security posture across the entire user journey.
Overview
Chargebacks911 Features
- Intelligent Source Detection Identify the true cause of every dispute so you can distinguish between criminal fraud, merchant error, and friendly fraud.
- Automated Dispute Responses Generate and submit data-driven representment packages automatically to recover lost revenue without manual paperwork or spreadsheets.
- Real-Time Alerts Receive instant notifications of incoming disputes so you can issue refunds immediately and prevent them from impacting your chargeback ratio.
- Merchant Compliance Review Scan your internal processes to find and fix the specific triggers that cause customers to file disputes against your business.
- Tactical Dispute Lab Test different response strategies and evidence sets to see which methods yield the highest win rates for your specific industry.
- Post-Transaction Monitoring Track your processing health across multiple merchant accounts and acquirers from a single, centralized management dashboard.
Incognia Features
- Location Fingerprinting. Create a unique identity for every user based on their precise location behavior to detect spoofing and GPS manipulation.
- Invisible MFA. Authenticate your users silently in the background without requiring SMS codes, passwords, or manual biometric scans.
- Account Takeover Protection. Detect when a login attempt comes from an unrecognized location or suspicious device to prevent unauthorized account access.
- New Account Fraud Detection. Identify professional fraudsters and bot farms during registration by spotting suspicious location patterns and device integrity issues.
- Trusted Device Intelligence. Recognize your returning customers instantly by verifying their device and location history to reduce unnecessary security friction.
- Address Verification. Verify a user's home address automatically using real-time location data instead of relying on easily forged utility bills.
Pricing Comparison
Chargebacks911 Pricing
Incognia Pricing
Pros & Cons
Chargebacks911
Pros
- Significantly reduces manual labor involved in dispute management
- Provides deep visibility into chargeback root causes
- Helps maintain healthy merchant account standing with banks
- Performance-based pricing aligns their success with your recovery
- Expert support helps navigate complex card brand rules
Cons
- Initial technical integration requires significant developer resources
- Dashboard interface has a slight learning curve
- Custom pricing makes it difficult to budget upfront
Incognia
Pros
- Reduces user friction by eliminating manual authentication steps
- Highly resistant to GPS spoofing and proxy tools
- Easy to integrate via lightweight mobile SDKs
- Privacy-focused design masks sensitive user identity data
- Significantly lowers costs associated with SMS OTPs
Cons
- Requires users to grant location permissions to work
- Limited effectiveness for web-only applications without SDKs
- No public pricing makes initial budgeting difficult