Encytro provides businesses with chargeback and data breach protection through a subscription-based reimbursement model. Merchants pay a flat monthly fee per location to access coverage for fraudulent chargebacks, fallback transactions, EMV liability issues, and related fees.

Key Features

Chargeback Reimbursement

• Covers up to $250 per chargeback
• Includes EMV liability shift disputes

Cost Structure

• Flat $29.95/month per location instead of per-transaction fees
• Covers chargeback fees and fraudulent ATM withdrawals

Claims Process

• Two claim types: Breach Claims and Chargeback Claims
• 45-60 day reimbursement timeline for approved claims

Benefits

Cost Predictability

• Eliminates variable chargeback fees
• Fixed monthly budgeting

Fraud Protection Covers multiple fraud scenarios:

• Fallback transactions
• EMV chip liability shifts
• Unauthorized ATM withdrawals