Understanding the Historical Win Percentage

The Historical Win Percentage indicator in the Chargeback Case Detail and Chargeback Search Results screens provide a percentage value indicating the probability that a representment will result in a win, and is intended to assist you in determining the likelihood of winning a chargeback representment. The percentage value is based on an algorithm developed by Worldpay that examines 12 months of representment win/loss activity across our merchant portfolio from three categories: BIN, Response Reason Code, and a combination of both.

The Historical Win Percentage field also provides some additional representment guidance when a refund has been issued, or a Mastercard fraud-related or ‘cardholder does not recognize’ chargeback is received, and a fraud notification date has been issued. See Fraud Notification for more information.

The Historical Win Percentage field displays a percentage value, ranging from 0% to 95%, or one of the following:

  • No Representment Rights - this indicates that a first chargeback was received with a Response Reason Code indicating that you have no representment rights.

  • Refund Issued - Representment Recommended - this indicates that a first chargeback was received against a deposit with a refund. If this is indicated, representment is recommended.

  • Multiple fraud reported before authorization - Representment Recommended - this indicates that multiple fraud-related chargebacks (Mastercard Fraud Notification) were received before the authorization and representment is recommended. (Displays as FRAUD WIN in the Chargeback Search Results screen.)

  • Fraud reported before and after authorization - Representment Not Recommended - this indicates that a Fraud Notification date was received before and after the authorization and representment is not recommended. (Displays as FRAUD LOSS in the Chargeback Search Results screen.)

  • N/A - this indicates that the chargeback was received by our system before historical win percentage data (based on BIN and reason code) was available.

The Historical Win Percentage calculation is available for Visa, Mastercard, and Discover first chargebacks only.