Here's something most merchants don't want to admit: they're terrible at fighting chargebacks. Not because they lack the evidence to win, but because they don't know how to present it. It's like showing up to court with a briefcase full of proof but no lawyer to make the case. That's exactly where SkinnyFit found themselves—a $100M+ health and wellness brand hemorrhaging money through chargebacks, recovering only $0.21 per dispute with their previous provider RCVR.
Their 47% win rate wasn't just costing them revenue. It was costing them time, team resources, and faith in the chargeback recovery process altogether. Then they switched to Chargeblast Recovery, and everything changed.
The Problem: Low Win Rates Despite Having the Evidence
SkinnyFit had all the ingredients for chargeback success. They were processing payments through PayPal, Braintree, American Express, and Shopify. They used Gladly as their CRM, maintaining detailed customer interaction records. They had tracking information, subscription agreements, and transaction histories.
But here's the brutal truth: having evidence doesn't mean you're using it effectively.
Their previous provider relied on generic, screenshot-based submissions with zero context or strategic structure. The result? Banks weren't convinced, customers won disputes they shouldn't have, and SkinnyFit watched legitimate revenue walk out the door. With over 1,000 disputes to manage, their team was drowning in manual work that wasn't even producing results.
The Solution: AI-Powered Evidence Strategy That Actually Works
Chargeblast Recovery transformed SkinnyFit's approach through three critical elements:
- Strategic evidence collection: Instead of generic screenshots, Chargeblast assembled comprehensive evidence packets from every platform SkinnyFit used, pulling over 1,000 data points per dispute, including IP tracking, delivery proof, and subscription agreements
- AI-powered rebuttal generation: An LLM agent analyzed each case and generated tailored rebuttal letters with clear argument structures specifically designed for each dispute reason code
- Complete automation: From evidence collection to submission, the entire process became hands-off for SkinnyFit's team, with dedicated Chargeblast representment managers handling everything and providing monthly performance assessments
The technical implementation was seamless. When a customer filed a chargeback, Chargeblast automatically ingested transaction data, matched it with merchant evidence uploaded manually or through their AI crawler agent, and used AI to generate a compelling case-specific rebuttal letter. The system then submitted everything directly to the acquiring bank, formatted exactly how issuers prefer to review disputes.
The Results: From $0.21 to $9.00 Per Dispute
The numbers tell a story that most chargeback recovery providers can't match:
- Win rate jumped from 47% to 59%—a 24% improvement achieved through strategic evidence formatting alone
- ROI increased 41x—from $0.21 recovered per dispute to $9.00 (net of fees)
- 550+ hours saved in just 45 days—by automating 1,000+ disputes that would have required manual handling
- 3,400+ hours projected annual savings—freeing SkinnyFit's team to focus on growth instead of dispute paperwork
The results were consistent across payment processors too. SkinnyFit achieved a 59% win rate on their PayPal MID and 58% on their American Express MID, proving the strategy worked regardless of which bank processed the transaction. For a company doing $100M+ in annual volume, these improvements translated to hundreds of thousands of dollars in recovered revenue that would have otherwise been lost.
Breaking Down the Win: Targeting SkinnyFit's Top Dispute Types
Chargeblast's strategy wasn't one-size-fits-all. They identified SkinnyFit's three biggest chargeback categories and built custom evidence approaches for each:
Fraud disputes (38% of chargebacks):
The previous provider couldn't prove legitimate customer activity. Chargeblast solved this with IP address matching, transaction history analysis, device fingerprinting, and customer behavior pattern documentation. When a cardholder claimed fraud, the evidence clearly showed their device, location, and purchase history all matched.
Item not received disputes (26% of chargebacks):
Missing proof of delivery was costing SkinnyFit big. Chargeblast compiled tracking confirmation, delivery signatures, customer communication logs, and shipment timeline verification. Banks could see exactly when products shipped, when they arrived, and even when customers contacted support about their orders.
Recurring payment cancelled disputes (12% of chargebacks):
Unclear subscription terms were an easy win for customers filing disputes. Chargeblast presented subscription agreements, usage history documentation, cancellation policy proof, and customer correspondence. The evidence showed customers knew what they signed up for, used the service, and had clear options to cancel.
Why Evidence Quality Matters More Than Evidence Quantity
Here's what separated Chargeblast from RCVR: presentation. Both had access to the same raw data, but Chargeblast knew how to package it for maximum impact. Instead of dumping screenshots into a submission portal, they created professionally formatted evidence packets with case-specific descriptions for every piece of documentation.
The AI-generated rebuttal letters provided clear argument structures that walked issuing banks through the logic of why the merchant deserved to win. It's the difference between handing a judge a pile of papers versus presenting a well-organized legal brief. Banks reviewing disputes don't want to work hard to understand your case.
They want you to make it easy for them to rule in your favor, and that's exactly what Chargeblast delivered for SkinnyFit.
The Automation Advantage: Zero Manual Work Required
The operational impact can't be overstated. Before Chargeblast, managing disputes meant pulling team members away from customer service, product development, and growth initiatives to compile evidence, write explanations, and submit everything manually. With Chargeblast Recovery handling the entire process automatically, SkinnyFit's team never touched a dispute unless they wanted to review performance metrics.
The system ingested data from Gladly CRM, pulled transaction details from their payment processors, matched everything with merchant-uploaded evidence or automatically crawled documentation, generated the rebuttal letter through AI, and submitted the complete package to banks.
All SkinnyFit had to do was watch their win rate climb and their recovered revenue grow. That's 550+ hours saved in just 45 days, with dedicated representment managers providing regular reporting and monthly assessments to continuously optimize performance.
What This Means for High-Volume Merchants
SkinnyFit's transformation reveals something critical about modern chargeback management: technology matters, but strategic expertise matters more. You can have the best AI tools in the world, but if you're not targeting the right dispute types with the right evidence formatted the right way, you'll still lose. Chargeblast combined both—powerful automation with deep knowledge of what issuing banks need to see to rule in favor of merchants.
For companies processing $100M+ annually like SkinnyFit, this isn't just about recovering individual transactions. It's about protecting margins, maintaining healthy processor relationships, and preventing disputes from spiraling into monitoring programs or account terminations.
A 24% win rate improvement might not sound dramatic until you calculate what that means at scale. For SkinnyFit, it meant transforming chargeback recovery from a cost center into a revenue recovery engine.
The Bottom Line
SkinnyFit went from recovering $0.21 per dispute to $9.00 in just 45 days by switching their approach to evidence-based representment. The improvement didn't require changing payment processors, overhauling their customer service, or implementing complicated fraud prevention tools. It just required presenting the evidence they already had in a way that convinced banks to rule in their favor.
That's the power of strategic chargeback recovery, and it's available to any merchant willing to move beyond generic, screenshot-based dispute responses. The question isn't whether your business has enough evidence to win chargebacks. The question is whether you're presenting that evidence effectively enough to actually win them.
Want to see what Chargeblast Recovery can do for your chargeback win rate? Schedule a consultation to analyze your current dispute performance and get a customized strategy for improving your recovery rates.
