Fraud & Disputes
Stop fraud before it happens. Win the disputes that slip through.
HL Hunt scores 500+ signals on every transaction before authorization, steps up with 3-D Secure 2.0 only when risk is elevated, and hands any chargeback to a Dispute Agent that compiles evidence and submits a rebuttal in minutes.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 500+
- Risk signals per transaction
- 3DS 2.0
- Frictionless authentication with liability shift
- <1 min
- Dispute evidence compiled
- 100%
- Of disputes answered
What Fraud & Disputes gives you
Pre-authorization scoring
Device, velocity, behavioral, and network signals scored in milliseconds, before the issuer is called.
Adaptive 3-D Secure
Step-up only risky transactions. Good customers never see a challenge, and liability shifts to the issuer.
Card testing defense
Rate limits, BIN velocity checks, and CAPTCHA-free bot detection stop enumeration attacks cold.
Automated dispute responses
Reason-code-specific rebuttals with AVS, CVV, device, IP, and delivery evidence, submitted before deadline.
Chargeback alerts
Ethoca and Verifi integrations resolve disputes before they become chargebacks, protecting your ratios.
Custom rules
Block, allow, or review by country, BIN, amount, velocity, or any metadata you send.
Start using Fraud & Disputes today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Score
Every authorization is scored in real time. You see the score and the top contributing signals in the dashboard.
- 02
Decide
Approve, step up with 3DS, review, or block based on your thresholds. Defaults are tuned per industry.
- 03
Defend
If a dispute arrives, the agent compiles evidence and files the response. You get the outcome and the recovered funds.
Fraud and disputes are one problem, not two
Most stacks treat fraud prevention and chargeback management as separate products from separate vendors. The result is a gap: fraud tools do not learn from dispute outcomes, and dispute tools do not have the device and behavioral data captured at authorization. HL Hunt runs both on one ledger, so every dispute outcome improves the fraud model, and every fraud signal is available as evidence.
This matters for your ratios. Card networks monitor dispute rates, and processors that rely on automated shutdowns use those ratios as a trigger. By resolving alerts before they become chargebacks and winning the ones that do, HL Hunt keeps your ratios healthy and your account stable.
What changes
HL Hunt vs a typical processor for Fraud & Disputes
| HL Hunt | Typical processor | |
|---|---|---|
| Fraud & Disputes | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Fraud & Disputes is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Fraud & Disputes is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Fraud & Disputes today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Fraud & Disputes FAQ
Does fraud protection cost extra?
No. Risk scoring, 3-D Secure, and the Dispute Agent are included in standard processing rates.
What is the chargeback fee?
Chargeback fees are published on /pricing. Disputes resolved through Ethoca or Verifi alerts before they become chargebacks carry no network chargeback fee.
Can I supply my own evidence?
Yes. Upload documents or add notes to any dispute, and the agent incorporates them into the response.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.