Fraud Detection
When a guest disputes a charge, your case is already built.
Every valet session on Valletto quietly assembles its own paper trail — timestamped events, carrier-confirmed texts, vehicle photos, named staff, payment signatures. The moment a chargeback lands, that trail becomes a bank-ready evidence report, and the guest gets a polite text that resolves most disputes before they cost you a dollar.
$15
The typical processor fee to fight a single chargeback
You pay it win or lose — on top of the hours spent building a case.
~$45
The break-even point for fighting a dispute at all
Below it, the fee and the paperwork cost more than the ticket itself.
100%
What comes back when the guest simply withdraws the dispute
Full amount returned, no fee, no fight. That's the outcome we engineer for.
Most valet tickets sit under the break-even line — which means the winning move usually isn't a better fight. It's getting honest mistakes withdrawn in minutes, and saving the fight for real fraud.
On autopilot
From dispute to resolution, without anyone chasing paperwork.
Step 1
A dispute is detected
The instant a chargeback is filed, Valletto flags the session it belongs to. Nobody has to spot a processor email days later — the clock starts immediately.
Step 2
The evidence report generates itself
The session's full record — event log, check-in photos, SMS delivery receipts, itemized receipt, staff names, payment signature — is compiled into a bank-ready PDF automatically.
Step 3
The guest gets a polite text
No accusations. The same number that received their ticket receives a courteous heads-up with a link to their visit.
Step 4
They see exactly what we have
The link opens their session: their car at the stand, the timeline, the receipt, the text thread. If the charge is theirs, it's obvious in seconds. They choose — “this was a mistake” or “this wasn't me.”
Step 5
Resolved — usually without a fight
A mistake gets step-by-step withdrawal instructions and the company recovers every dollar, fee-free. Confirmed fraud sends the evidence file to the bank and flags the payment profile across the platform.
Inside the report
What the bank sees — and what the guest sees.
This is the actual report layout, shown here with sample data. Six pages that reconstruct the entire visit: a photo of the car and its plate from check-in, the text thread with carrier proof it was delivered, who parked the car and who handed it back. Issuing banks get a case file, not a plea.
- Minute-by-minute event log from an append-only session record
- Carrier-confirmed SMS delivery receipts (queued → sent → delivered)
- Check-in photos of the vehicle and plate
- Itemized receipt and full payment record, including voluntary tips
- Named, verified staff for every hand-off
- Cryptographic payment signature, verified before the car was released
Pages from a real defended dispute — guest contact and card details replaced with sample values.
Two honest outcomes
The guest decides. Either way, you're covered.
“This was a mistake”
Most disputes are: a late-night charge under a descriptor like VALET that nobody remembers three weeks later. So we make undoing it effortless:
- 1Call the number on the back of the card (or the bank's app).
- 2Tell them you'd like to withdraw the dispute — we surface the case reference to read off.
- 3Done. The valet company recovers the full amount, and no dispute fee is ever charged.
Withdrawal is the best outcome for everyone — including the guest, whose account carries no record of a lost dispute.
“This wasn't me”
If the cardholder confirms the charge really was unauthorized, the machinery turns the other way, just as automatically:
- 1The full evidence report is submitted to the issuing bank for its investigation.
- 2The card and payment profile are flagged across every Valletto location.
- 3The valet company has a complete, timestamped case file — not a he-said-she-said.
And because every charge is this well documented, filing a false dispute against a valet on Valletto is a losing game — banks see the whole record.
Chargebacks punish businesses that can't prove what happened. Valletto makes valet the best-documented charge on the guest's statement.
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