If you sell chargeback management, fraud prevention, or risk services, your book is not a random sample of the market. It is a concentrated list of merchants with a dispute problem — and you know exactly which ones, and how badly.
An acquirer sees a portfolio. You see case files. You already know which merchants have a chargeback ratio problem, which reason codes dominate their volume, and which of their disputes were never fraud in the first place — because you have been working those cases on their behalf.
The merchants who benefit most from descriptor clarity are the ones with high dispute volume from legitimate transactions.
That is not a segment you have to go find. It is your current customer list, sorted by the metric you already report on.
It is a fair question and worth answering directly rather than talking around. If your revenue is tied to disputes existing, a product that prevents them looks like a threat. We think the opposite is true, for four reasons.
A cardholder who genuinely made the purchase and simply didn't recognize it produces a dispute with no fraud to prove and thin representment prospects. It is the least winnable, least profitable work in your queue. Deflecting it removes your worst caseload, not your best.
VAMP and GMAP are both ratcheting merchant and portfolio thresholds down. Your customers are being pushed toward prevention whether or not you offer it. The only question is who sells it to them.
Remediation is priced per dispute and competes on rate. A descriptor subscription is recurring, predictable, and margin-rich — and it renews whether or not a case was filed that month.
If a merchant's dispute volume falls and it wasn't because of you, your value story weakens. If it falls because of a service you provided, you become the reason. The risk isn't selling this — it is someone else selling it into your account.
Most partners will do both, depending on the account. The difference is simply how much of the work stays with you.
You sell Descriptors.com into your book on your own paper, at your own retail price, on the same wholesale terms available to acquirers and ISOs. The merchant claims and enriches their own profile; you carry the relationship and the margin.
You board the merchant's descriptors and maintain the profile on their behalf — logo, support channels, refund and cancellation paths — and keep it current as the business changes. The merchant gets the outcome without doing the work, and you bill for the service on top of the subscription.
This is the model most of your customers will actually want. They did not hire you to be handed another task.
Legal name, DBA, support contacts, refund policy, descriptor strings. Onboarding a merchant profile draws on information you collected when you onboarded them.
You already represent merchants in dispute workflows. Maintaining a merchant identity profile is a smaller version of something your operation is built to do.
Every confusion case deflected upstream makes the dispute performance you report look better — which is the number your renewal conversation turns on.
Managed partners get the same portfolio tooling as any other channel — descriptor risk detection, collision identification, new-descriptor checks, enrichment tracking, and a reporting dashboard covering every merchant you manage. See what's included →
A 30% revenue share on every subscription, plus a management fee you price and keep. Two inputs, your numbers.
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Most partners do both. Tell us how you want to work and we set the terms up accordingly.
The revenue share is a program term: 30% of the $20 monthly Descriptors.com subscription — $6 per client per month, paid to you for as long as the subscription runs.
The management fee is your product, and 100% of it stays with you. Boarding the descriptors, adding the logo and support channels, keeping refund and cancellation paths current as the business changes — you already hold the data and already act on your clients' behalf. Change the default to whatever your service is worth.
The model assumes every client counted is enrolled and stays subscribed. Attrition, discounts and your own packaging all move the number.
This is an arithmetic model of your own inputs, not a performance guarantee or a forecast. Program terms are confirmed when we set up your partnership.
Pull your ten worst dispute ratios. Those are the merchants this was built for, and you already have their file open. Tell us whether you want to resell or run it for them, and we will set the terms up accordingly.
