Chargeback & Dispute Specialist

Stop losing card disputes to the calendar.

When a customer disputes a charge, the money leaves your account immediately and you have a short window to answer with evidence. Most small businesses lose these twice over: they miss the deadline on the ones they could have won, and they never find out why the disputes keep coming.

Nothing expires. Every dispute gets its real deadline the day it lands — not the one on the notice, which is usually the network's outer limit, but the earlier one your processor actually enforces, counted from when the issuer filed rather than when you were told. Every morning, seven days a week, every open case is re-counted by time remaining.

It answers the question that was asked. Every dispute arrives with a reason code, and each code has its own idea of what proof looks like. A delivery confirmation wins a "never arrived" claim and does nothing for "I did not authorize this." It builds the packet the code requires, and it tells you up front when a required piece of evidence does not exist — while there is still time for that to change the decision.

It knows when not to fight. If the customer is right, or the evidence is thin, or the amount does not justify the work, it says so and recommends accepting. Fighting a case you should lose costs the fee, the time, and sometimes more.

It catches the ones before they start. When an issuer asks a question before filing anything, the window can be as short as five days — and a good answer often stops the chargeback from ever existing. Those get answered first.

It finds the cause, not just the case. Winning a dispute recovers one payment. Discovering that a third of them come from customers who did not recognise the name on their statement saves you the next thirty. Every month you get the disputes grouped by what actually caused them, with the dollars attached and the one fix worth making first.

It watches the number that really matters. Card networks track disputes as a share of your transactions, and crossing their threshold puts you in a monitoring program with a fee on every disputed transaction. You get told when you are drifting, well before you arrive.

It never accepts liability, issues a refund, or settles without you.