---
title: How can Kovena help with the chargebacks?
description: "There are several ways Kovena can help with the chargebacks: Prevention:  Winning the Dispute: Kovena assists merchants by ensuring timely submission of compelling evidence to help win disputes. We ta"
---

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3. [Chargebacks](https://help.kovena.com/merchant?hsLang=en#chargebacks)

# How can Kovena help with the chargebacks?

There are several ways Kovena can help with the chargebacks:

**Prevention:** 

- We offer the [3D Secure feature](https://19517195.hs-sites.com/en/kovena-knowledge-base/what-is-3d-secure-or-3ds), a two-factor authentication (2FA) process that adds an extra layer of security. This helps verify that the card is being used by a legitimate guest, not a fraudster. [3D Secure](https://19517195.hs-sites.com/en/kovena-knowledge-base/what-is-3d-secure-or-3ds) serves as strong evidence that the transaction was genuine, and it's a key security feature provided by Kovena.
- The number one reason for chargebacks is when a customer views their credit card or bank statement and sees a transaction that they don’t recognise, e.g. a line showing ‘Parent Company’ or ‘XXX Holding Company’. With Kovena statement descriptors, each property will be clearly described on the customer’s bank statement. This technology is called ‘Statement Descriptors’.

**Winning the Dispute:**

Kovena assists merchants by ensuring timely submission of compelling evidence to help win disputes. We take pride in supporting our customers throughout the chargeback process. Our overall chargeback rate is just 0.2%, which is 10 times lower than the global industry average of 2%.

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