Case Study: Grupo David achieves 99.4% approval rate and virtually zero chargebacks with ClearSale

Retail conglomerate Grupo David makes a seamless ecommerce transition with ClearSale

Grupo David, a Panama‑based retail conglomerate operating 150 stores across nine countries, needed to scale ecommerce quickly in early 2020 while avoiding the surge in online fraud that accompanied the pandemic. Partners recommended ClearSale and Grupo David deployed ClearSale’s Total Guaranteed Protection to protect its Victoria’s Secret and Bath & Body Works sites in Panama, Colombia, and Paraguay while preserving a smooth customer experience.

ClearSale combined AI‑driven modeling with a global team of fraud analysts and a chargeback guarantee to tune decisions by market and device, speeding approvals and reducing false declines. The result: a 99.4% average monthly approval rate and a 0.08% average monthly chargeback rate (July–Dec 2021), only one chargeback in that period (covered by ClearSale), and sustained high approvals even during a 12× fraud spike in October 2021—enabling faster fulfillment and confident ecommerce growth for Grupo David.

Grupo David

Valeria Barahona

Regional Marketing Specialist / E-com Project Leader