Aurai fights ecommerce chargebacks for Stripe, PayPal, and Shopify merchants at a 25%-of-recovery success fee. The blog is where we publish what we learn along the way — reason-code deep dives, evidence tactics that actually move outcomes, and honest reads on industry benchmarks. New posts every few weeks.
Latest posts
Shopify Protect vs. representment — which disputes to fight
Shopify Protect covers ~30% of a typical Shopify merchant's disputes. Full breakdown of what it covers, what it doesn't, and how to split coverage without duplicate work.
July 11, 2026 · 7 min read
Ethoca & Verifi alerts — when they save money, when they don't
Pre-dispute alerts sound like a free win. The economics are subtler than they look. Break-even math for RDR, CDRN, and Ethoca alerts at real merchant numbers.
July 10, 2026 · 7 min read
How to win Visa 10.4 (fraud CNP) chargebacks in 2026
Visa 10.4 has three defense tiers — 3DS liability shift, CE 3.0 qualification, and standard AVS+device+delivery. Knowing which tier applies is the whole game.
July 9, 2026 · 8 min read
The Visa Compelling Evidence 3.0 playbook
CE 3.0 is the single biggest change to Visa dispute rules in a decade. Qualification, evidence, and how to push Visa win rates from ~65% to 90%+.
July 8, 2026 · 8 min read
How to win Visa 13.1 (goods not received) chargebacks in 2026
Visa 13.1 is the single most common ecommerce reason code — and the most winnable if your evidence is structured right. Full playbook with real evidence stacks.
July 5, 2026 · 9 min read
Coming soon
Drafts already in the pipeline — subscribe to the product to hear when they land.
MasterCard 4837 vs Visa 10.4: same fraud, different rules
Reason codes
Friendly fraud: the 65% problem no vendor talks about honestly
Data
3DS: when it wins disputes and when it just adds friction
Authentication
Amex disputes: why they're harder than Visa/MC
Reason codes
PayPal Buyer Protection vs card-network disputes
PayPal
The pre-arbitration decision: when to go, when to fold
Deep dives
Topics we cover
Reason codes
Per-code playbooks — Visa 13.1 / 13.2 / 10.4, MasterCard 4853 / 4837, Amex F30, Discover UA02 — with what evidence beats each one.
Visa CE 3.0
Compelling Evidence 3.0 qualification, the two-prior-transaction rule, and how to structure IP + device fingerprint proofs.
Prevention
Ethoca / Verifi alerts, RDR economics, 3DS impact on friendly fraud, and when to skip prevention entirely.
Shopify Payments
Shopify Protect coverage gaps, digital-goods disputes, the 7–21-day admin window, and coordinating with Shop Pay.
PayPal disputes
Buyer Protection vs. card network paths, INR vs. SNAD, and why PayPal win rates trail Stripe by ~20 points.
Industry data
Honest reads on published win-rate claims, MRC survey deltas, and what Aurai sees across its own book.
All posts reflect the Aurai team's reading of public documentation, industry surveys, and our own book of disputes as of the post date. Visa, MasterCard, Stripe, PayPal, and Shopify are trademarks of their respective owners; Aurai is independent and not endorsed by any of them. Network rules change — check the official source before acting on any specific tactic.