Systems and methods are provided for processing a charge for a disputed transaction to a payment account associated with a consumer. In connection therewith, a refund request is initially received, from the consumer, relating to a transaction at a merchant charged to the consumer's payment account. The refund request includes an amount of the disputed transaction charged to the consumer's payment account. Next, a dispute score is generated for the refund request, and compared to a defined threshold. At least one of the dispute score and the defined threshold is based on a variable other than (i.e., potentially in addition to) the amount of the transaction. When the dispute score is less than, or more generally satisfies, the threshold, a dispute settlement indicator is generated for the transaction without causing a chargeback transaction to an acquirer associated with the merchant.