Chargeback Evolves into Risk Management Data in Brazil’s Payments Market

In the current landscape, the chargeback—a traditionally viewed expense arising from disputed transactions—is taking on a new dimension of strategic importance for Brazilian businesses. Advancing digital crime, margin pressures, and regulatory rigor are reshaping how chargebacks are perceived, transforming them not just into operational challenges but also valuable data sources for loss prevention, efficiency, and governance. According to projections from a study by Koin and Gmattos, online fraud in Brazil could exceed R$ 8.1 billion by 2026, highlighting the growing concern among market players. Beyond financial losses, reputational damage and consumer trust are severely impacted, underscoring the need for more agile and intelligent chargeback management. In an ecosystem undergoing rapid transformation, the PAGOS - Brazilian Association of Payment Ecosystems recently discussed the impacts of BCB Resolution 522 on risk management, guarantees, governance, and operational structures. Participants noted that the new regulatory environment demands greater adaptability, especially for smaller and more innovative businesses. Gilberto Martins, one of the speakers, emphasized the need for more flexible and agile management strategies as well as strategic alliances to ensure business sustainability in this new regulatory reality. The evolution of chargeback in Brazil reflects global trends towards increased attention to operational risks and corporate governance, necessitating significant adjustments in business structures. Efficient chargeback management not only mitigates financial losses but also strengthens a company’s reputation in the competitive global market.