From processor data to recovered dollars — in four steps that don't need an engineer.
Most teams get a measurable lift inside seven business days. Here's exactly what happens between the moment we get OAuth access and the moment your finance lead stops dreading Monday's chargeback report.
Connect — without writing code
Onboarding starts with a 30-minute call. We share a scoped OAuth link for each of your processors, gateways and acquirers. You click "approve" three times. We do the rest. No SDK install. No engineering ticket.
- Read-only access — we never request permission to move money
- Encrypted tokens stored per region, rotated automatically every 30 days
- 13 months of historical disputes backfilled within four hours
- Live confirmation call to verify data shape and reason-code mapping
Configure — your rules, our defaults
We start with our trained defaults: thresholds, refund caps, alert response policies, representment templates by reason code. Your team reviews them, edits what's worth editing, and signs off — usually in a single working session.
- Reason-code rule editor with one-click revert to platform defaults
- Per-MID, per-region and per-channel overrides
- Approval workflows for high-value disputes above your defined threshold
- Sandbox environment to test rules against historic disputes before going live
Defend — alerts, refunds and representment, automatic
Once you flip the switch, every new dispute lands in our queue, gets classified by reason code and risk score, and is either intercepted via alerts, refunded preemptively, or fought through our representment engine with full evidence bundling.
- Real-time alert intake from Visa RDR, Ethoca, Verifi and Mastercard CC
- Auto-bundled compelling evidence with shipping, AVS, CVV, IP and device signals
- Human-in-the-loop review on any dispute above your value threshold
- Full status visibility for every dispute in the queue, end to end
Report — and compound what's working
Each week your team gets a digest of recovered revenue, ratio trends, descriptor health and emerging fraud patterns. Quarterly business reviews go deeper — and they're led by a senior strategist, not a sales rep.
- Monday-morning recovery digest by email and Slack
- Quarterly QBR with a senior strategist and roadmap input
- Custom KPI dashboards exportable as PDF or live link
- Annual benchmarking report against your industry cohort
What actually happens to a chargeback after it lands
If you've ever wondered why representment win rates vary so much between vendors, this is where the difference lives.
Classify
Reason code mapped to network-current argument template. Order graph attached. Risk score generated.
Stitch
AVS, CVV, IP, device fingerprint, shipping carrier data and CRM interactions bundled into a single evidence file.
Argue
Network-rule-aware narrative generated. Reviewed by a representment specialist if value exceeds threshold.
Submit
Filed directly with the acquirer in network-compliant format, tracked through pre-arbitration if needed.
See your own data run through the engine.
Bring us 90 days of disputes. We'll show you exactly which ones we would have intercepted, refunded or won — line by line.
Request a recovery audit