Chargeback management
Your processor decides who wins. Nobody is helping you make the case.
Chargeflow and the rest plug into Shopify and Stripe. If you take cards through Fiserv, Global Payments, Elavon, Worldpay or an ISO, none of them will touch you, and your portal gives you an upload box and a countdown. That is the gap we built for.
Works with any processor. We do not ask you to move your account.
How a dispute runs
1
Send us the notice
Forward the email, upload the PDF, or paste whatever your processor portal shows you. We pull the network, reason code, amount, case number and deadline, then show you what we read so you can correct it.
2
We tell you whether to fight
Some disputes are not winnable and the honest answer is to accept the loss and keep the evidence for the pattern. You get that answer before you spend an hour gathering documents.
3
A checklist built for your code
Not a generic document request. The specific items that reason code requires, each one explained in plain language, with the recommended extras that raise your odds.
4
The response package
A rebuttal letter that argues the way that code is won, your evidence labelled as exhibits, a transaction summary, and step by step instructions for submitting it inside your processor portal.
What makes a response win
The code is the whole game.
Visa 10.4 is card-absent fraud. Visa 13.1 is merchandise not received. Mastercard 4853 is a cardholder dispute. They are not variations on a theme. Each one has a different required evidence list, a different winning argument and a different clock. Send the right documents for the wrong code and you lose a dispute you should have won.
On Visa 10.4 specifically, Compelling Evidence 3.0 lets you shift liability back to the issuing bank if you can produce two prior undisputed transactions on the same card, at least 120 days old, sharing at least two data elements with the disputed one. Device fingerprint, IP address, shipping address, account login. Almost nobody asks merchants for this, so almost nobody uses it.
Honest about the odds
We will tell you when to walk away.
A card-present dispute with no chip read is close to unwinnable. So is a subscription cancellation where you cannot produce the terms the customer agreed to. In those cases the tool says so, records the loss as a deliberate choice, and keeps it in your pattern data.
Accepting a bad dispute is a legitimate outcome. Spending three hours losing it is not.
For ISOs, PSPs and portfolio owners
Your merchants are not on Visa's list. You are.
Under the Visa Acquirer Monitoring Program, a merchant is flagged as excessive at 220 basis points and at least 1,500 fraud and dispute events a month, dropping to 150 basis points in the United States from 1 April 2026. Almost none of your merchants will ever hit that count.
The acquirer threshold is 50 basis points for above standard and 70 for excessive, with no minimum event count at all. Which means the ratio that actually gets someone fined is yours, and it is made out of merchants who individually look fine.
Portfolio view
Ratio by MID, trended, with the merchants pushing your number up ranked first.
White label
Your brand on the merchant-facing tool and on every response package.
API and MCP
Reason code lookup, evidence requirements and deadline math your systems and agents can call directly.
Thresholds above are from the Visa Acquirer Monitoring Program fact sheet. Confirm current figures with your acquirer before acting on them.
Talk about a portfolioGet on the list
The merchant tool is in build. Beta seats go first to merchants whose processor nobody else integrates with, and to portfolios with a ratio problem.
If you have a dispute with a deadline inside the next ten days, say so in the note and call (646) 448-8804. We will work that one by hand.