Report Overview
Chargebacks remain one of the most persistent and costly challenges in digital commerce. Disputes drain revenue, consume operational resources, and put merchants at risk of exceeding card network thresholds. Fraudsters exploit weak authentication and fragmented subscription processes, while manual-heavy workflows slow resolution times.
Even as prevention tools expand, dispute volumes are still projected to rise another 10%. One-time passwords are widely used, but only 43% of practitioners consider them effective, and 59% of teams still rely on manual reviews that can take up to a week. Budgets are climbing, up 13% in two years, yet the gap between spend and outcomes continues to widen.
The 2025 Link Index for Chargeback Prevention in eCommerce gives finance, risk, and fraud leaders a clear view of who is solving the real problems. We evaluated 16 vendors against buyer criteria like scalability, ease of implementation, and compliance alignment. From that review, the leading vendors stood out for their ability to deliver layered defenses that combine identity verification, automation, behavioral biometrics, and real-time monitoring.
Key Takeways:
- Manual review slows resolution 59% of practitioners rely on analysts, and 89% report dispute timelines of one to seven days.
- Authentication gaps persist: 81% of organizations use OTPs, but only 43% consider them effective against chargebacks.
- Subscription disputes remain fragmented: 50% of practitioners cite delayed billing events, while 38% struggle with forgotten cancellations and trial transitions.
- Budgets and dispute volumes are climbing: Chargeback budgets have grown 13% in two years, with dispute volumes projected to rise another 10%.
- New defenses are emerging: Behavioral biometrics adoption is expected to increase by 16%, and 95% of practitioners plan to implement real-time monitoring within a year.
Methodology
The Link Index offers a detailed analysis and ranking of leading vendors for specific use cases, leveraging robust data and insights from Liminal’s market and competitive intelligence platform, Link. Liminal’s research team invites solution providers to participate in a company survey and analyst briefing. It uses a proprietary framework to assess and rank product capabilities based on their relevance to market needs. Liminal’s Digital Identity Landscape taxonomy and ontology are central to the Link Index, which precisely evaluates vendor solutions by buyer demand, product capability, and market presence. Liminal conducts a rigorous survey among buyers in the vendor selection process to identify the most in-demand product capabilities and the most valued product components. Market presence criteria included buyer satisfaction, market penetration, and brand recognition. The Link Index was designed to be used to inform go-to-market strategy and execution and provide guidance for solution buyers, specifically:
- Executives in corporate strategy
- Leaders of go-to-market execution
- Practitioners of solution implementation
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