Disputes agent

Automate your disputes workflow end-to-end

Our AI disputes agent handles everything from classification, evidence review and follow-up to decisioning and chargeback submission.

Our AI disputes agent handles everything from classification, evidence review and follow-up to decisioning and chargeback submission.

Our AI disputes agent handles everything from classification, evidence review and follow-up to decisioning and chargeback submission.

See our AI agent in action

Trusted by banks, card issuers, and fintechs across the US, UK, and Europe

Trusted by banks, card issuers, and fintechs across the US, UK, and Europe

Wise logo
Stash logo
Yonder logo
Wise logo
Bondora logo
Nala logo
Pockit logo
Rain logo
Wise logo
Stash logo
Yonder logo
Wise logo

Results at a glance

25%

decrease in average resolution time

decrease in average resolution time

24/7

coverage

coverage

98%

accuracy

accuracy

£30+

saved per case

saved per case

Agent capabilities

Understands and automates every step of your disputes process

Intake the dispute (in any form)

Our frontline agent takes the dispute via voice, text, or email, asks the right intake questions, and captures evidence upfront. Or, have customers submit a form on your app or site, sent directly to our disputes agent.

Intake the dispute (in any form)

Our frontline agent takes the dispute via voice, text, or email, asks the right intake questions, and captures evidence upfront. Or, have customers submit a form on your app or site, sent directly to our disputes agent.

Investigate the case

Our back-office agent classifies the dispute against card scheme reason codes, reviews all evidence against scheme requirements, and checks the account for prior claims and repeat-claimant patterns.

Investigate the case

Our back-office agent classifies the dispute against card scheme reason codes, reviews all evidence against scheme requirements, and checks the account for prior claims and repeat-claimant patterns.

Reach out to fill evidence gaps

If something is missing, the agent initiates contact to the customer over chat, text, or email and resumes the investigation the moment they reply. This eliminates the back-and-forth that used to stall every case.

Reach out to fill evidence gaps

If something is missing, the agent initiates contact to the customer over chat, text, or email and resumes the investigation the moment they reply. This eliminates the back-and-forth that used to stall every case.

Determine the outcome

Once all evidence is gathered, the agent applies your decisioning logic and determines whether to accept or reject the chargeback.

Determine the outcome

Once all evidence is gathered, the agent applies your decisioning logic and determines whether to accept or reject the chargeback.

Human sign off before submission

In one action, your team either approves or overrides the decision. The agent provides a full audit trail of its decisions.

Human sign off before submission

In one action, your team either approves or overrides the decision. The agent provides a full audit trail of its decisions.

Submit the charegeback

If approved, the agent raises the case directly with the card scheme. This cuts out any intermediary processors and their per-case fees.

Submit the charegeback

If approved, the agent raises the case directly with the card scheme. This cuts out any intermediary processors and their per-case fees.

Inform the customer

The AI agent reaches back out to the customer to let them know the outcome of their dispute.

Inform the customer

The AI agent reaches back out to the customer to let them know the outcome of their dispute.

Security

Regulatory and scheme compliance built-in

Pre-configured to comply with Mastercard and Visa rules and global consumer protection law. 20+ dispute-specific guardrails run on every turn of the conversation to keep every case safe and audit-ready.

See our full credentials

United States

Reg E, Reg Z, CFPB guidance, FFIEC, state-level rules

United Kingdom

FCA Consumer Duty, Section 75, vulnerable customer handling, FOS timelines

European Union

PSD2, GDPR, EU AI Act, country-specific consumer protection

What makes us different

Built for speed, volume, and accuracy

Minutes per case, not days

Eliminates your manual work

Classification, evidence review, internal note, and customer message all produced in a single flow. The 30+ minutes an analyst spends per case drops to seconds of review time.

Classification, evidence review, and customer outreach are all produced in a single flow. The 30+ minutes an analyst spends per case drops to seconds of review time.

Every case reviewed the same way

Reviews every case to the same standard

Consistent scoring against Mastercard and Visa scheme rules. No analyst variation, no skipped steps, no case raised without the right evidence attached.

Handle the volume without headcount

Handles your volume without headcount

Your team focuses on approvals, overrides, and edge cases. The agent works the queue 24/7, including the cases that used to get risk-accepted because no-one had time.

Weak cases caught before submission

Catches weak cases before submission

Missing dates, invalid screenshots, and scheme-rule mismatches all flagged before a chargeback goes out. Higher win rate on the cases you do raise.

Works with your systems

Built for your systems

Picks up evidence wherever it lands

Screenshots sent in chat, PDFs attached to email, and voicemails from a callback all merge into a single case file. No evidence gets stranded in the wrong inbox.

Integrates with your existing stack

Plugs into your help desk, card processor, and scheme APIs. Intercom, Zendesk, Mastercard and Visa Resolve Online: no migration required.

How it works

Step

1

Step

2

Step

3

Step

4

Step

5

Recognises dispute intent

The AI agent recognises when a customer wants to submit a dispute and asks the right questions for intake. It can also receive the intake directly from a form on your website or app.

Procedures list product image

Step

1

Step

2

Step

3

Step

4

Step

5

Recognises dispute intent

The AI agent recognises when a customer wants to submit a dispute and asks the right questions for intake. It can also receive the intake directly from a form on your website or app.

Procedures list product image

Partners in your success

People who've done this before,
on your side from day one

People who've done this before, on your side from day one

Whether you're starting with a single dispute type or rolling out across the full chargeback lifecycle, our AI delivery team is here to support you throughout the entire process.

We come from finance and have helped dozens of companies navigate the compliance hurdles, integrations, and QA it takes to go live.

We come from a wide range of technology leaders and fast-paced startups:

Built for outcomes

From customer report to chargeback won

Start your free pilot

Built for outcomes

From customer report to chargeback won

Start your free pilot

Built for outcomes

From customer report to chargeback won

Start your free pilot