Chargeback analysts may provide a number of different services, including responding to chargebacks and alerts, pursuing representment, and analyzing a merchant's chargebacks in order to provide recommendations for reducing them in the future. Whether or not a merchant finds these services worthwhile depends on the cost of the chargeback analyst, the amount of money saved by their efforts, and whether or not the merchant feels capable of performing those tasks themselves. The proper chargeback tools may allow some merchants to keep chargeback analyst efforts in-house.