Global Payments Acquires ChargebackHelp to Provide Greater Value-Added Services

The payment processor and Fortune 500 company Global Payments publicly announced its merger with chargeback management solution ChargebackHelp earlier this month after acquiring the company in May 2025 for an undisclosed sum. This week, Fraudbeat spoke with Rick Lynch, a ChargebackHelp senior executive and now Head of Fraud, Risk & Disputes at Global Payments, to discuss the factors motivating the latest M&A deal in the chargeback management solution space.

What attracted Global Payments

According to Lynch, the Global Payments acquisition was likely motivated by a need to find a chargeback solution for the merchant portfolios of the dozens of independent sales organizations (ISOs) that use its TSYS payment processor division and for the merchant portfolio it acquired as part of the massive $25 billion WorldPay merger that was also completed this month.  

“Global Payments portfolio historically has been more brick and mortar retailers representing a lower risk card-present volume of transactions,” said Lynch. “They don’t have a significant footprint of high-risk merchants that are direct customers, but Global Payments also owns TSYS Merchant Processing, a payment processor with dozens and dozens of ISOs and with a wide degree of risk.” He continued, “The other thing would be that the merger with WorldPay was certainly known and expected and they have a very different [merchant] portfolio that was more card-not-present, more subscription-based, more e-commerce and higher risk.”

While founded over a decade ago, ChargebackHelp until very recently lacked a heavy marketing presence along the lines of other standalone chargeback remediation players, such as Chargebacks 911, Chargeback Gurus and Justt. However, ChargebackHelp claims to be one of the largest chargeback management solution providers in the space based on volume of transactions handled, with a product and sales organization targeted to large enterprise merchants, acquirers and independent sales organizations (ISOs).  In particular, ChargebackHelp told Fraudbeat that it is one of the leading providers of Verifi’s Order Insight and Ethoca’s Consumer Clarity, products of Visa and Mastercard, respectively, that reduce chargebacks by clarifying to customers what they purchased via their issuing bank’s app or call center. 

“We work globally in all regions of the planet and we tend to focus on subscription billing and card-not present [transactions] in e-commerce, where most of the disputes are,” said Lynch. He added, “We do everything from pre-op to post-op to chargebacks. Not just chargebacks.”

The attraction for Global Payments and what differentiates ChargebackHelp from the competition, according to Lynch, is their software platform that can be white-labeled and used to onboard a portfolio of merchants and help ensure that  they do not exceed the card networks’ proscribed chargeback ratios. Already ChargebackHelp’s platform solution is being marketed by Global Payments to its ISOs, while the new company has yet to roll out the new offering directly to markets.

“We probably compete more with Visa and MasterCard for acquirer level solutions,” said Lynch. “While acquirers are already in a relationship with the card networks, they don’t necessarily provide a software solution.  If an acquirer wants to go to Visa, MasterCard directly, they can do that and negotiate a deal and [hook up to an] API connection, all that, but they’ll have to build [a software application] if they want a tool to provide that solution.”  He added, “That’s where we compete at the acquirer and ISO level. On the merchant level [our competitors are], you know, it’s all the usual suspects. The names that you know. Merchants have a lot of choices there…the product is fairly commoditized at this point.”

Other factors differentiating ChargebackHelp

In the more crowded space for serving individual merchants, ChargebackHelp has a per transaction fee business and does not primarily compete on price.

“We tend to win deals because of our service level, more so than by price or by product,” said Lynch.

They are differentiated from some other solution vendors by offering a managed service solution that does not rely heavily on automation – which they view as too prone to quality control issues.

 “If a solution partner doesn’t successfully match a dispute to the original sale, then the process breaks,” said Lynch. “There are some solutions out there that try to do automated matching, which allows them  as a solution provider to keep their headcount low but it provides a lower quality service. If 15-20% of cases go unmatched, they don’t get resolved. 

ChargebackHelp allows merchants to offload the responsibility of handling chargebacks so that they don’t need to worry about training and retaining skilled staff over the course of the year as chargeback volumes vary, sometimes dramatically. Instead merchants have a solution that can ramp up or ramp down as needed while maintaining a high quality of care.

“We basically just take care of it for you and you don’t have to hire headcount or develop in-house expertise,” said Lynch. “The chargeback and alert space is not a position that people tend to stay in for a long time. You might do it for  6-18 months, and  then you’re looking to get promoted on and move up into some other customer service level type position or product position. For merchants, it’s a real challenge to maintain expertise on how to properly fight chargebacks, and how to respond to alerts, because of this.”

Silence from the competition

Chargebacks Gurus and Justt declined to comment for this story. Chargebacks 911, Kount and Chargeflow did not respond to requests for comment by deadline.