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The intelligent chargeback operating layer

Connect every dispute signal. Prove every decision.

The secure, explainable and agentic AI platform for merchant dispute management. It retrieves the evidence, recommends the right action and automates every safe step, while your team stays in control of the decisions that matter.

Book a demoSee how it works

Works with your existing PSPs, gateways, CRM and order systems. Nothing to rip out.

95%
less manual effort
72%
cases auto resolved
2 to 3 days
to integrate

Targets from design partner pilots, subject to validation.

Connects to the systems you already run

ShopifyShopify
Adyen
PayPal
MagentoMagento
StripeStripe
Verifi
AirwallexAirwallex
Ethoca by Mastercard
SlackSlack

Who the solution is for

One operating layer for everyone who handles disputes

Whether you defend disputes, process them or decide them, SIMPLIChargeback gives each side the same evidence and the same audit trail.

Merchants

Win back revenue you should keep

Evidence is gathered from payment, order, fulfilment and CRM systems and turned into a source cited response.

Learn more →
Acquirers

Give merchants a better dispute service

Offer governed automation across your portfolio with clear deadlines, controls and reporting.

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PSPs

Go beyond a processor dashboard

A neutral control plane that sits across processors, so customers see one view of every dispute.

Learn more →
Issuers

Review cases with better evidence

Receive structured, consistent evidence packages that make review faster and fairer.

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Challenges and capabilities

From scattered signals to a decision you can defend

Every row below is a real operational pain, matched to a capability in the platform.

Challenge
Capability
8 or more disconnected systems→A secure connector layer and a canonical dispute data model.
Manual reason code interpretation→Rules plus machine learning classification, with an explanation for every result.
Missing or weak evidence→Evidence completeness and quality scoring before anything is submitted.
Generic rebuttals→Reason code specific responses where every claim cites its source.
Deadline pressure→A scheme rule and processor deadline engine that never loses a date.
Inconsistent decisions→Expected net recovery prioritisation, so effort goes where value is.
No view across PSPs→One dashboard and one set of analytics for every processor.
High value ambiguity→Confidence thresholds and human escalation for the cases that need judgement.

Scheme variations

Visa and Mastercard speak different languages. We handle both.

The same customer complaint can arrive under very different reason codes, rules, time limits and evidence expectations. The platform maps each variation to the right playbook.

Visa

  • 10.4Other fraud, card absent environment
  • 13.1Merchandise or services not received
  • 13.2Cancelled recurring transaction
  • 13.3Not as described or defective
  • 13.6Credit not processed

Mastercard

  • 4837No cardholder authorisation
  • 4853Cardholder dispute
  • 4855Goods or services not provided
  • 4863Cardholder does not recognise the transaction

A selection for illustration. Reason codes and rules change, so the platform keeps a versioned scheme rule library.

Security and compliance

Autonomous preparation, controlled execution

Sensitive payment data is handled with care, and every automated step can be explained to an auditor.

  • Obfuscated PAN. Card numbers are masked, so agents work without exposing full account numbers.
  • Permissioned agents. Each agent can only read and do what you have explicitly allowed.
  • Human approval gates. High value, ambiguous, novel and regulatory sensitive cases go to a person.
  • Full audit trail. Inputs, sources, model versions, approvals and outcomes are recorded for every case.
  • Source cited drafting. No unsupported claims. If the evidence is missing, the response says so.
  • Model agnostic. Bring the language model your security team has approved.

Immutable audit ledger

Card5412 75** **** 4417
Evidence retrievedOrder, fulfilment, CRM
Model versionRecorded
ConfidenceAbove threshold
Approved byNamed reviewer
SubmittedBefore deadline

Experience behind the platform

Built by people who have run payments at scale

Our leadership has delivered large payment programmes with these organisations.

  • American Express Global Business Travel
  • Global Payments
  • Barclaycard
  • NCR
  • EVO Payments
  • Diners Club International

ROI calculator

Estimate what better dispute handling is worth to you

Move the sliders to match your operation. Results are illustrative and update as you type.

Estimated annual net benefit
€0
Extra revenue recovered
€0
Analyst cost saved
€0
Estimated platform cost
€0

Uses the published per dispute intake fee for your volume and a success fee on incremental recoveries only. Effort reduction and win rate are your assumptions, not guarantees. A paid diagnostic on your history gives you real numbers.

Validate with a diagnostic

AI agents

A team of specialist agents, with people in control

Each agent does one job well, and none can act outside the permissions you set.

  1. IngestDisputes arrive from every processor and are deduplicated.
  2. UnderstandReason code, deadline and context are mapped.
  3. Build evidenceAuthorised records are retrieved and checked for gaps.
  4. Decide and draftExpected net value decides the action, and a cited response is drafted.
  5. Review and submitApproved cases are filed before the deadline, with a full audit trail.
Learning loop. Outcomes feed back into retrieval, rules and evidence selection.
Human control. People stay involved in high value, ambiguous, novel, service failure, arbitration and regulatory sensitive cases.

The challenge

Disputes are a revenue, cost, customer and compliance problem

These figures come from our management analysis and are being validated with design partners.

€15 to €100fee per chargeback
66%of dispute work is manual
8+disconnected systems
40+ hrsinvestigation per case
Weeksto resolve today

Flagship verticals

Where evidence is hardest, we go deepest

Two sectors where disputes are frequent, valuable and complicated.

Travel

Bookings, tickets, stays and rentals

Payment comes first and service comes later, so evidence sits across reservation, ticketing, property and supplier systems.

Explore travel →

Ecommerce

Stores, marketplaces and digital goods

Connect your storefront, payment gateway and fulfilment data, then respond to every dispute with the right proof.

Explore ecommerce →

Next step

See SIMPLIChargeback working on your own disputes

Share a sample of historical disputes and we will show you the evidence, the recommended action and the audit trail.

Book a demoView pricing