ProofReturn vs Chargeback Consultants
Compare automated dispute packets at $29 each with consultant fees of $200-500 per dispute. See which option makes sense for your business.
Cost Comparison: 10 Disputes Per Month
10 packets × $29 each
Even less with 20-pack ($499 = $25/packet)
10 disputes × $250 avg
Can range from $2,000 to $5,000
| Feature | ProofReturn | Consultant |
|---|---|---|
| Cost per dispute | $29 (single) / $25 (5-pack) / $25 (20-pack) | $200-500 per dispute |
| Turnaround time | 5-10 minutes | 24-72 hours |
| Available hours | 24/7 instant | Business hours only |
| Processor expertise | Visa, MC, PayPal, Stripe templates | Varies by consultant |
| Customization | Self-service with guidance | Done-for-you |
| Complex cases | Templates for 100+ reason codes | Custom strategy |
| Scalability | Unlimited disputes | Limited capacity |
| Communication | Self-service | Direct support |
Choose ProofReturn When:
- You have multiple chargebacks per month
- Disputes are under $5,000
- You have the evidence, just need formatting
- You need responses fast (within hours)
- Budget is a concern
- You want to handle disputes in-house
Consider a Consultant When:
- Dispute value exceeds $10,000
- Complex legal issues are involved
- You have no evidence and need strategy
- Ongoing representation is needed
- You want fully outsourced management
- Industry-specific expertise is required
Frequently Asked Questions
When should I use ProofReturn vs hiring a consultant?
ProofReturn is ideal for standard chargebacks where you have the evidence and need professional formatting. Consultants may be worth it for very high-value disputes ($10,000+), complex legal situations, or when you have no idea how to gather evidence. For most small-to-medium merchants, ProofReturn provides consultant-quality output at a fraction of the cost.
Are consultant responses really better?
Not necessarily. Consultants use templates too - they've just refined them over time. ProofReturn templates are built on the same processor requirements and best practices. The main advantage of consultants is hands-on guidance for complex situations, not inherently better formatting.
How much money can I save with ProofReturn?
If a consultant charges $250 per dispute and you have 10 chargebacks per month, that's $2,500/month. With ProofReturn at $29/packet (or less with packs), you'd spend under $300 - saving over $2,200 monthly.
What if I need help with my response?
ProofReturn provides built-in guidance: evidence checklists by reason code, required field explanations, and processor-specific formatting. For additional help, our support team can answer questions about the platform and general chargeback strategy.
Get Consultant-Quality Responses at 90% Less
Professional, bank-ready dispute packets for just $29. No appointments, no waiting.