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What Is Acquirer Chargeback Insurance?

Chargebacks represent one of the most significant risks for acquiring banks and payment institutions, particularly in high-risk verticals. When a merchant fails, chargebacks do not disappear; liability falls to the acquirer. TMU Management’s Acquirer Chargeback Insurance is purpose-built to mitigate this risk, providing financial protection at the point of sale and ensuring portfolios remain resilient.

The Key Benefits of Our Acquirer Chargeback Insurance

Regulatory Compliance

Alignment with regulatory scrutiny and compliance requirements.

Seamless Integration

Seamless embedding into existing processing flows and merchant discount rates.

Business Confidence

Confidence to acquire in higher-risk verticals with controlled exposure.

Reduced Business Risk

Risk transfer that reduces direct liability for insolvency-related chargebacks.

Tailored Solutions

Tailored solutions that reflect your unique merchant mix and portfolio profile.

Industry Expertise

Backing from a fully regulated MGA with specialist sector knowledge.

What's Covered Under Our Policy

Acquirer Chargeback Insurance provides financial protection where insolvency-driven chargebacks impact an acquirer or PSP, ensuring operational resilience. These are only examples, and the precise inclusions, exclusions and details of cover will be set out in your final insurance policy.

Included

Cover for chargebacks linked to merchant insolvency
Cover across higher-risk verticals where exposure is greatest
Integration into card processing systems and merchant discount structures
Bespoke policy structures tailored to portfolio risk appetite

Not Covered

Fraud or wilful misconduct
Losses outside the agreed coverage scope

Get Acquirer Chargeback Insurance for Your Business

If you need cover that protects your portfolio from insolvency-driven chargebacks and supports growth in high-risk sectors, TMU Management is here to help. Our team works with acquirers and PSPs to design bespoke solutions that fit seamlessly into existing operations. Contact us today to explore how Acquirer Chargeback Insurance can strengthen your risk management and enable continued acquisition with confidence.

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Why Choose TMU Management For Your Acquirer Chargeback Insurance

As an MGA, TMU Management combines regulatory credibility, underwriting expertise, and deep market knowledge. We work with financial institutions worldwide to build tailored cover that reduces exposure and supports growth, not just compliance.

Our Latest Case Studies

TMU has supported financial institutions in embedding chargeback cover that enabled expansion into new sectors while maintaining resilience. We have designed solutions that protected acquirers from significant merchant defaults and created long-term value by aligning insurance directly with portfolio strategy.

Xander Pay

TMU and Xander Pay embed insurance-backed payment protection to secure hotel-agent settlements, improve liquidity and reduce financial risk.

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Travel Ledger

TMU and Travel Ledger embed protected payments insurance into the platform to secure agent-supplier settlements, improve liquidity and enhance trust.

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Travel Counsellors

See how TMU helped Travel Counsellors embed supplier airline failure insurance, safeguarding client funds and boosting trust globally.

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Frequently Asked Questions

Can this cover support regulatory compliance?

Yes. Acquirer Chargeback Insurance is designed to align with regulatory expectations around capital adequacy and risk management. It provides a compliant mechanism to mitigate liabilities while enabling continued acquisition.

Is this product bespoke to each acquirer?

Absolutely. Every portfolio is different, and our solutions are never off the shelf. We work with you to analyse your merchant mix, exposures, and strategy, and build cover that fits seamlessly.

Can it be embedded into existing systems?

Yes. Our policies are designed for seamless integration into card processing flows, merchant discount rates, and operational risk management frameworks.