Defend the ratio.Fight the right disputes.

Two complete RedHub products plus a connective playbook. The Chargeback Threshold & MID-Survival Gate ($89) computes your Visa VAMP and Mastercard ECP ratios from your own numbers against the thresholds you confirm, and reads whether each merchant account is in headroom, approaching, or over the line — with a separate prevention scorecard. The Chargeback-Proof Order Evidence Kit ($49) matches your representment evidence to the reason code the bank filed and tells you whether a specific dispute is SUBMIT-READY, worth strengthening, or a lost cause. The 90-Day Chargeback Defense Loop playbook runs them together. Bought separately that's $138; the bundle is $119.

Because the ratio should set your representment strategy, and neither tool makes that connection alone. The Gate counts chargebacks but doesn't fight them — and a won dispute never removes a counted chargeback from your ratio. The Evidence Kit scores a single dispute but can't see your ratio, so it can't tell you how hard that win matters. Put together, the rule is: when you're over the line you fight every winnable dispute and pre-empt counted events, because you're fighting for the account itself; when you have headroom you can be selective. The playbook encodes that loop.

Yes. Each is the complete product exactly as sold on its own — the runnable engine, the workbook, and the playbooks — not a trimmed bundle version. The download fans out to both products' full deliverables plus the connective 90-day playbook that ties them into one quarterly loop.

No — and that's the misconception the bundle is built around. Winning a representment recovers the disputed funds, but the chargeback was already counted against your network ratio the moment it was filed. That's why the Gate scores prevention separately from disputes: the only thing that moves your ratio is fewer counted events (deflection, refunding flagged orders), not winning the fights after the fact. The bundle keeps those two jobs — lower the ratio vs. win the dispute — honestly separate.

No. Both tools grade your account's own numbers and a dispute's own evidence — never people — and they read no live processor data, file nothing, contact no acquirer, and move no money. Card-network thresholds, reason codes, and evidence requirements are dated, regional, and change by bulletin; both ship current defaults and treat every rule as a buyer-confirmed input. It's a business-judgment planning aid. Confirm your program status with your acquirer and the current rules against the Visa and Mastercard bulletins before you act.

Merchants carrying real card-not-present dispute volume — subscription, e-commerce, digital goods — especially anyone who got a VAMP warning when Visa cut the merchant threshold to 1.5% in April 2026. If you're near or over a network line and also fighting individual disputes by hand, this pairs the strategic read (are you at risk of losing the MID?) with the tactical one (fight this dispute or skip it?) into one quarterly rhythm.