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AI chargeback and dispute responses for online stores
AI chargeback and dispute responses for online stores that have the evidence ready the day a dispute opens
AI chargeback and dispute responses for online stores begin with the first hour after a dispute is raised, when the order record, tracking and delivery proof, customer messages, refund history, policy acceptance and any earlier undisputed orders are gathered into an evidence packet laid out for the reason code, a clear response is drafted, the deadline is tracked and a person decides whether to submit, because most lost disputes are lost to missing or late paperwork and not to a weak case.
- Fixed price from $890 with no cut of recovered sales
- Evidence gathered the day a dispute opens
- A person approves every response
- Platforms supportedShopify Payments, Stripe, PayPal and other processors, with orders from Shopify, WooCommerce or BigCommerce.
- Typical storeStores that receive disputes each month and lose money to fees and refunds as much as to the goods.
- Reasons coveredFraud, product not received, not as described, duplicate charge, subscription cancelled and credit not processed.
- DeadlinesEvery dispute has its due date tracked, with reminders and a clear status for each case.
- OutputsEvidence packets, drafted responses, a deadline board, a win and loss report and a runbook.
- Delivered inSix to twenty working days depending on the plan, with the first reason code live early.
The costly disconnect
Why winnable chargebacks are lost before anyone reads them
A chargeback is a deadline, and the evidence lives in five places, so many cases lapse not because they are weak but because nobody had time.
Deadlines that arrive quietly
Processors give a limited window to respond, commonly a matter of days to a few weeks, and a missed date means automatic loss. Many owners only notice this problem when a customer complains, so catching it earlier is one of the quiet benefits of chargeback and dispute responses for online stores.
Evidence scattered across tools
The order sits in the store, the tracking with the carrier, the messages in the inbox and the policy on a page, and joining them takes an hour per case. Left alone, this problem repeats with every order, which is why chargeback and dispute responses for online stores is built to handle it by rule and not by memory.
Fees on every dispute
Processors charge a fee per dispute, reportedly fifteen dollars on common platforms, and some now add a further fee when a contested case is lost. It is easy to overlook until a busy week exposes it, and by then the cost to online stores is already counted in refunds, hours or lost sales in the chargeback and dispute responses work.
Generic responses that fail
A response that does not match the reason code, such as arguing delivery for an unrecognised charge, is easily rejected. The fix is not more effort but a better rule, and that is exactly what the chargeback and dispute responses build for online stores puts in place.
Repeat disputes from the same cause
A confusing statement descriptor or a slow carrier produces disputes in clusters, and the pattern is rarely noticed. Many owners only notice this problem when a customer complains, so catching it earlier is one of the quiet benefits of chargeback and dispute responses for online stores.
Card network thresholds
Reports say Visa lowered its excessive merchant ratio to 1.5 percent in April 2026 and counts disputes even when they are won, so volume matters as well as results. Left alone, this problem repeats with every order, which is why chargeback and dispute responses for online stores is built to handle it by rule and not by memory.
- $15is the dispute fee reported for common processors in the US, with a further counter fee reported for some lost cases.
- 7 to 21days is the window commonly reported for submitting evidence, with the exact date shown in your processor dashboard.
- 1 dayis the target for having a complete evidence packet ready, in our examples.
Sources: Chargeflow, Redo and processor help pages on dispute fees and deadlines, which differ by processor and change; we confirm yours at the start.
What changes in your dispute handling once evidence is gathered and drafted for you
You review a ready packet and a drafted response for each case, instead of hunting for paperwork.
How disputes are handled today
- Evidence is gathered after the notice, by hand.
- Deadlines are tracked in memory or a calendar.
- Responses are generic.
- Winnable cases lapse.
- Patterns across disputes go unseen.
How disputes are handled afterwards
- An evidence packet is assembled the day a dispute opens.
- Every deadline is tracked with reminders.
- Responses are drafted for the reason code.
- Cases worth fighting are surfaced first, with the strongest evidence.
- Disputes are grouped by cause and reported monthly.
What your dispute board shows
- More disputes won.
- No missed deadlines.
- Hours returned to finance.
- Fewer repeat causes.
- Fees and refunds under control.
What the dispute workflow handles
- Reading the reason code and deadline when a dispute opens.
- Gathering order, delivery, message, policy and history evidence.
- Laying out the packet for the reason code.
- Drafting the response.
- Tracking the deadline and the outcome.
Dispute decisions that stay with a person
- Deciding whether to fight or accept.
- Approving the response before submission.
- Issuing refunds where the case is not worth fighting.
- Contacting the customer first when appropriate.
- Fixing the causes the report shows.
Which online stores gain most from automated dispute responses
If disputes arrive every month and each costs a fee and an hour, a ready packet changes the maths quickly.
Stores with rising dispute counts
More disputes mean more fees, a higher ratio and a greater need for speed. We look at this situation in the audit and give online stores an honest view of whether the build is worth doing now or later in the chargeback and dispute responses work.
Stores shipping high-value items
Each win is worth more, and proof of delivery and earlier orders matter most. If this describes your business, the chargeback and dispute responses work for online stores is likely to pay back quickly, and we will tell you plainly if it will not.
Stores near network thresholds
Fighting and preventing disputes both lower the ratio, and the report shows where to act. Owners in this position often say the biggest change is the time returned each week, and chargeback and dispute responses is built to deliver that first for online stores.
Subscription and digital stores
Disputes about cancelled subscriptions and downloads need access logs and terms, which are gathered automatically. This is the kind of situation where a fixed-price build is easier to justify than a monthly subscription for chargeback and dispute responses for online stores.
Small teams
A packet ready on day one lets a small team handle disputes in minutes. We look at this situation in the audit and give online stores an honest view of whether the build is worth doing now or later in the chargeback and dispute responses work.
Stores selling internationally
Address and delivery evidence differ by carrier and country, and the packet adapts. If this describes your business, the chargeback and dispute responses work for online stores is likely to pay back quickly, and we will tell you plainly if it will not.
The steps through which a dispute becomes a submitted response
Every dispute follows the same short path, and nothing is submitted without a person.
dispute_openedA dispute opens
The processor notifies the store with the reason code, the amount and the due date. If the same event arrives twice, the second copy is recognised and ignored, so chargeback and dispute responses for online stores never repeats an action by accident.
order_matchedThe order is matched
The dispute is linked to the order, the customer and the payment, and earlier undisputed orders are found. A short summary of how often this event occurs appears in the weekly report, giving online stores a clear view of how busy this part of the chargeback and dispute responses work is.
evidence_gatheredEvidence is gathered
Delivery proof, tracking scans, customer messages, refund history and the accepted policy are collected. Where the event depends on outside data, the data is checked for freshness first, because a stale figure is worse than no figure for chargeback and dispute responses for online stores.
packet_builtThe packet is built
The evidence is laid out in the order the reason code expects, with a short written account of the facts. Each moment like this has its own rule, so chargeback and dispute responses for online stores behaves the same way every time and never has to guess what to do next.
person_decidesA person decides
The reviewer sees a recommendation, edits the draft and chooses to submit, refund or accept. The event is logged with the rule that handled it, which lets you check later exactly what chargeback and dispute responses did for online stores and why it did it.
outcome_loggedThe outcome is logged
The result and the amount recovered are recorded, and the case joins the monthly cause report. Because this trigger is handled separately from the others, a problem with it never delays the rest of the chargeback and dispute responses work for online stores.
One dispute followed from notice to submitted evidence
This shows how a claim of non-delivery on a $240 order is answered inside the window.
- 01
The dispute opens
A cardholder disputes a $240 order as not received, and the processor sets a due date six days away. At the end of this stage you can pause, adjust a rule or carry on, so chargeback and dispute responses for online stores always moves at the pace that suits you.
- 02
The order is matched
The workflow links the dispute to the order, finds three earlier undisputed orders by the same customer and reads the shipping address. Every step like this is recorded, so the chargeback and dispute responses work for online stores can be traced from the first input to the final result without any gaps.
- 03
Evidence is gathered
Carrier records show delivery to the billing address with a signature, and the customer’s later email asking about a return window is found. If the step cannot finish, the record says why and waits for you, so chargeback and dispute responses for online stores never moves on with a half-completed task.
- 04
The packet is built
The packet leads with proof of delivery, then the messages, the earlier orders and the policy the customer accepted. You can see the outcome of this step before the next one starts, which keeps the chargeback and dispute responses build for online stores under your control throughout.
- 05
A person decides
The reviewer reads the recommendation to fight, adds a note and approves the response on day two. The step uses only the facts you supplied, so nothing in the chargeback and dispute responses result for online stores depends on guesses or on outside sources you did not approve.
- 06
The result is logged
The case is submitted with four days to spare, and the outcome is recorded when the processor decides. Timing for this step is paced to the limits of your tools, so chargeback and dispute responses for online stores keeps running calmly even when volume is high.
Pricing
Price your AI chargeback and dispute responses build
Choose a plan, tell us your processors and monthly disputes, add any extras, and the total and delivery date update as you go.
What AI chargeback and dispute responses cost and what raises the price
The build is a one-off fee, and only a little hosting and some model usage continue after it.
Reason codes covered
Each reason code needs its own packet and test. Anything extra that this factor creates later is quoted before it is built, so the fixed price for chargeback and dispute responses never grows by surprise for online stores.
Processors
Each processor is another connection and format. We explain this factor in the quote in plain words, because online stores should understand what drives the price before agreeing to anything in the chargeback and dispute responses work.
Carriers and countries
Each carrier is another source of delivery proof. Changes to this factor after the quote are handled as a written change, with its own price, and never as a hidden charge on chargeback and dispute responses for online stores.
Helpdesk integration
Finding customer messages needs access to your inbox or helpdesk. A smaller first build can leave this factor for later, and online stores can add it at a priced step once the first results are in in the chargeback and dispute responses work.
Cause reporting
Product and carrier analysis adds modelling, and the tools around chargeback and dispute responses bill separately, and we estimate their monthly cost for this factor so your running cost is known as well as the build for online stores.
Reviewers
Several reviewers need routing and permissions, and owners who run chargeback and dispute responses for online stores often find this factor is the one that most changes the quote, which is why we ask about it first.
Hosting and model usage are charged to you by their own providers, and the written scope gives a figure for each.
Next step
Ready to price AI Chargeback and Dispute Responses for Online Stores?
AI chargeback and dispute responses for online stores means that when a dispute opens, the order, tracking, customer messages and policy are gathered into an evidence packet organised by the reason code, a response is drafted, the deadline is tracked and a person decides whether to fight, so winnable disputes are no longer lost for lack of paperwork.
- Fixed price from $890 with no share of recoveries
- Evidence ready the day a dispute opens
- A person approves every response
Three more jobs the same dispute workflow can carry
Once disputes are tracked like this, prevention becomes straightforward.
Cause reports
Disputes are grouped by product, carrier, descriptor and policy so the cause can be fixed. Results from this job appear in the same weekly report as the main chargeback and dispute responses work, giving online stores one place to judge whether it earns its keep.
Pre-dispute outreach
Where processors offer inquiries or alerts, a drafted refund offer can resolve a case before it becomes a dispute. We include this idea because owners who run chargeback and dispute responses for online stores often ask for it within a few months, and it is cheaper to plan for it early.
Statement descriptor review
Confusing descriptors that cause unrecognised-charge disputes are identified with examples. The job follows the same approval rules as everything else, so nothing reaches a customer of online stores without passing the checks you already trust in the chargeback and dispute responses work.
Where each piece of dispute evidence comes from and where it stops
Each item has a named source and a stated limit, and the packet marks what could not be found.
| Store object | Fields we use | Direction | Source of truth |
|---|---|---|---|
| Dispute details | Reason code, amount, due date | Exact | Your payment processor |
| Order record | Items, address, payment, IP address | Exact | Your store |
| Delivery proof | Tracking scans, signature, photo | Where the carrier provides it | Carrier tracking |
| Customer messages | Emails and chats about the order | Where available | Your helpdesk and inbox |
| Policy and terms | What the customer accepted and when | Exact | Your store and checkout log |
| Earlier orders | Undisputed purchases by the same customer | Exact | Your store |
Card network rules on what counts as compelling evidence differ by network and change, so we confirm the current guidance with your processor and never claim that a particular case will be won.
Edge cases in dispute handling that we test before going live
Disputes vary widely, so we test the awkward cases on your own past disputes first.
Friendly fraud
Cases where the customer received the goods and still disputes are matched with delivery proof and earlier orders. Cases like this are the reason the chargeback and dispute responses build for online stores includes a trial run, because a tidy example never shows them but real records do.
True fraud
Cases of genuine stolen cards are flagged as poor to fight, so effort goes where it can pay. Your answer to this case is added to the rule table, so the same situation is handled automatically the next time it appears for online stores in the chargeback and dispute responses work.
Cross-border disputes
Evidence formats and carrier proof differ by country, and the packet adapts. The weekly report counts how often this case occurs, which tells online stores whether it deserves a better rule or is simply rare in the chargeback and dispute responses work.
Partial refunds before the dispute
Refunds already paid are shown in the packet so the amount in dispute is correct. Nothing about this case is hidden from you: it appears in the log with the date, the record and the rule that dealt with it in the chargeback and dispute responses build for online stores.
Subscriptions and digital goods
Access logs, cancellation records and terms are included for recurring and instant goods. We list the cases that matter most for chargeback and dispute responses in your handover guide, so anyone on your team can understand how online stores deals with them.
Multiple disputes on one customer
Several disputes by one customer are linked so the pattern can be shown and acted on. A rule for this case can be tightened or relaxed in minutes in the rule table, without waiting for a rebuild or a new quote in the chargeback and dispute responses build for online stores.
Doing it by hand, a chargeback service and a built dispute workflow compared
Doing it by hand is careful and slow, a chargeback service takes a share of recovered money, and a built workflow gives you the same speed at a fixed fee.
| By hand | Chargeback service | Checkout Loom build | |
|---|---|---|---|
| Evidence ready on day one | – | ✓ | ✓ |
| Drafts by reason code | Partly | ✓ | ✓ |
| Tracks every deadline | Partly | ✓ | ✓ |
| Fixed fee, no share of recoveries | ✓ | – | ✓ |
| You keep control of every submission | ✓ | Partly | ✓ |
| Cost pattern | Your hours | A share of wins | A fixed fee from $890 |
If you already use a chargeback service for some processors, we can build the cause reporting around it.
What is behind automated dispute responses and what it costs to run
The build uses your processor, store and carrier data with a small workflow service and a language model for the written account.
Processor dispute data
Disputes read through the processor’s API or webhooks, with evidence submitted only after approval. The monthly price of this layer is written next to our fixed fee before you commit, so the true cost of running chargeback and dispute responses for online stores is clear from day one.
Store and carrier data
Orders, addresses, policies and tracking records read through their APIs. You can replace this layer later with another tool, because the rules live in a table you own and are not locked inside any one product in the chargeback and dispute responses build for online stores.
A helpdesk connection
Customer messages about the order found in your inbox or helpdesk. We choose the lightest option that does the job for online stores, since a simpler layer means fewer things to maintain and fewer ways to fail in the chargeback and dispute responses work.
A packet builder
Templates by reason code that lay out the evidence in the order reviewers expect. If you already pay for something that covers this need, we use it, and we only add a new service when chargeback and dispute responses for online stores genuinely requires one.
A language model
Writes the short factual account and flags weak spots, using your own key and only the fields it needs. Access to this layer is granted from your own account and can be removed at any time, so you stay in control of the chargeback and dispute responses build for online stores.
A deadline board
A simple screen or digest showing each dispute, its due date and its status. Its limits and prices are checked again at the start of each project, because tools change their plans, and online stores should not pay for last year’s terms in the chargeback and dispute responses work.
How we keep dispute responses accurate and on time
A response with an error can lose a winnable case, so every statement is tied to a record and every deadline is tracked.
Every statement tied to a record
The written account cites the order, scan or message behind each fact and states nothing else. Everything the safeguard decides is written to the log with the reason, giving online stores a trail that is useful when someone asks what happened and why in the chargeback and dispute responses work.
Reminders before deadlines
Reminders arrive well before the due date, with escalation when a case is still open. During the month of corrections after launch, any gap in this safeguard is fixed in writing and the fix is added to the handover guide in the chargeback and dispute responses build for online stores.
Tested on past disputes
Packets are built for past disputes and compared with what you submitted and the result. Reports on how often the safeguard fires show online stores whether the chargeback and dispute responses work is getting steadier or whether a rule needs attention.
Alerts on clusters
A burst of disputes with one cause raises an alert. Because this protection is written as a rule and not as a habit, it keeps working when staff change or the business gets busier in the chargeback and dispute responses build for online stores.
A dated trail
Every packet, edit and submission is dated and linked to the person. When something goes wrong in chargeback and dispute responses for online stores, the failure is named, retried within safe limits and listed for you, instead of vanishing into a log nobody reads.
Questions answered in writing
If a packet looks wrong, the owner answers in writing and shows the source records. This safeguard runs on every batch and not only on a schedule, so a problem in chargeback and dispute responses is caught before it can spread to the next record for online stores.
Payment data, customer privacy and access in a dispute build
Dispute evidence includes personal and payment-related details, so access is narrow and everything is logged.
No card numbers
We never see or store full card numbers, only the dispute details your processor provides. We keep no copy of your keys, records or customer details in systems that belong to us, and the handover guide shows you how to confirm that in the chargeback and dispute responses build for online stores.
Honesty in every response
The draft states only facts found in your records, and it never invents evidence or exaggerates. Only the fields that chargeback and dispute responses needs are read, and only for as long as the task takes, which keeps the exposure for online stores as small as it can be.
Keys that stay yours
The processor and store credentials belong to you, are kept in a secret store and can be cancelled from your side whenever you choose. Every access is logged in your own accounts, so you can see who or what touched a record and when, without asking us for a report in the chargeback and dispute responses build for online stores.
Customer data minimised
Only the fields needed for a response are collected, and they are not shared elsewhere. If a key is ever lost, it can be replaced in minutes without rebuilding the chargeback and dispute responses work for online stores, because the rules do not depend on it.
Not legal advice
We follow processor and card network guidance, which changes, and recommend you take advice on disputes of high value. The arrangement is reviewed at the end of the month of corrections, and any access that is no longer needed is removed in writing in the chargeback and dispute responses build for online stores.
Retention you choose
Evidence packets are kept for a period you choose and then deleted. Customer details are never used to train outside models, and drafts for online stores are built only from the facts and records you supply in the chargeback and dispute responses work.
What you receive with your AI chargeback and dispute responses build
You finish with a working dispute process, a deadline board and the documents to run them without us.
- A written review of your past disputes, reason codes and current process.
- An evidence packet builder for each reason code you receive.
- A drafted response for every dispute, stating only facts from your records.
- A deadline board with reminders and escalation.
- A recommendation on whether to fight, with the strength of the evidence shown.
- A monthly report of disputes by cause, product, carrier and outcome.
- A fee and recovery view showing what disputes cost you.
- A runbook for each flow, opening with how to pause submission.
- Written answers from the owner to any question about a case.
Verified client reviews and the safeguards behind our dispute builds
Below are clients’ own words, unedited, and then the three safeguards that every dispute workflow we build must carry.
- 100%of submissions are approved by a person.
- 0statements are made without a record behind them.
- 1deadline board shows every open case and its due date.
Safeguards follow processor guidance and are not a promise that any dispute will be won.
★★★★★
The Checkout Loom team built an automation that simplified my workflow and worked perfectly from day one. Communication was excellent, delivery was fast, and I would happily recommend the service.
RebeccaUnited States
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★★★★★
They set up my automation remarkably fast and executed everything perfectly. Communication and service were top tier, so I could not be happier with the results and I highly recommend the Checkout Loom team.
AbbieGermany
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★★★★★
The automation was set up in a clean and practical way by the Checkout Loom team. It saved me a lot of manual work and made the whole process much easier.
JanoUnited Kingdom
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★★★★★
I highly recommend ordering from the Checkout Loom team. I had slow responses and poor communication with other providers, but this team was great and I am very happy with their service.
HarmetUnited States
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★★★★★
I am a returning customer because my first AI automation workflow worked so well. Once again everything was built exactly as requested, and the whole process was reliable from start to finish.
WilliamUnited States
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★★★★★
The determination and commitment to quality from the Checkout Loom team were clear from day one. They understood my requirements perfectly and completed everything with professionalism and care, and it is rare to find a team this dependable.
LorcanColombia
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★★★★★
It was an excellent experience from start to finish, and the automation works reliably with everything configured properly. It is clear that the team has strong knowledge of automation, and I will definitely be returning for future work.
EllieUnited States
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★★★★★
The team carefully investigated the problem, tested different scenarios and delivered a dependable solution. A duplicate contact issue had been causing problems for quite some time, and it is finally resolved.
RichardUnited States
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How the dispute workflow is built from past cases to live responses
We prove the packets on your past disputes before the first live case.
- 01
Review past disputes
We read past disputes, the evidence you sent and the outcomes, and note what worked. At the end of this step you approve or ask for changes, and the next stage of chargeback and dispute responses starts only after your reply for online stores.
- 02
Map the evidence
We map each reason code to the records that support it and where they live. The time this step takes depends on how quickly your records and answers arrive, and we tell online stores early what we need to keep moving in the chargeback and dispute responses work.
- 03
Build the packets
We build the packet and response templates and test them on past cases. We use plain language in every document from this step onward, so anyone at online stores can read the plan and understand it in the chargeback and dispute responses work.
- 04
Add deadlines and the board
We add the deadline tracking, reminders and the board. A short summary of the step is added to the handover guide, so the way chargeback and dispute responses was built for online stores is never lost.
- 05
Go live with approval
The first live disputes arrive as ready packets for you to approve. You see the result of this step in writing before the next one begins, which keeps the chargeback and dispute responses build for online stores on schedule and under your control.
- 06
Hand over the dispute desk
Written runbooks and the list of connected accounts come to you, and the owner replies in writing whenever a later case raises a question. If this step shows a problem, we say so at once and propose the fix, and the date for chargeback and dispute responses is moved in writing rather than quietly for online stores.
Estimate what disputes are costing your store and what better handling could recover
Enter your monthly disputes, the average amount, the share you fight and your win rate, and the estimate shows what a faster, better-documented process could add.
Disputed value each month–
Recovered today–
Recovered if you fight 70% and win 45%–
The improved figures are assumptions and not promises, and results depend on the reasons for your disputes.
AI chargeback and dispute responses for online stores questions, answered in full
These are the questions store owners ask about evidence, deadlines, reason codes and cost before they order a build.
What are AI chargeback and dispute responses for online stores?
They are a workflow that gathers the order, delivery, message, policy and history evidence the day a dispute opens, lays it out for the reason code, drafts a factual response, tracks the deadline and leaves the decision to submit to a person.
Will it win every dispute?
No, and we never promise it, because some disputes involve real fraud or customer error, but a complete packet submitted on time gives winnable cases their best chance, and the report shows what is working.
What evidence matters most?
It depends on the reason code, with proof of delivery and address matching leading for non-receipt, order and access logs for digital goods and earlier undisputed orders by the same customer for fraud claims where the network allows them.
How tight are the deadlines?
Sources commonly report a window of seven to twenty-one days to submit evidence, with the exact date shown in your processor dashboard, and missing it means the dispute is lost automatically.
What do disputes cost?
Processors charge a fee per dispute, reported at about fifteen dollars on common platforms in the US, and Stripe reportedly adds a further fee when a contested dispute is lost, so fighting only winnable cases saves money.
Does fighting a dispute lower my ratio?
Reports say Visa counts disputes toward its merchant ratio even when you win them, so prevention matters as well as responses, and the cause report shows where to act.
Does the AI write false evidence?
No, the draft states only facts found in your records and cites the record behind each one, and a person approves everything before it is submitted.
When will the deadline board be running, and what do you need from me?
You will have the deadline board between five and twenty working days after you order, depending on the plan and the speed you choose. To begin we need read access to your store and processor and an export of your recent disputes.
Do I pay a share of recovered money after the build?
Only the hosting and the model usage you decide to run, each appearing on your own account with its provider.
Answer every dispute on time with the evidence already in hand
Choose a plan in the pricing calculator and continue to checkout, or request a quote describing your disputes and your processors. A written answer reaches you within a working day with a fixed price and a date.
- Fixed price from $890 with no share of recoveries
- Evidence ready the day a dispute opens
- A person approves every response