We review your dispute ratios and trends, win rates and evidence quality, fraud leakage and authorization health, monitoring exposure (Visa, Mastercard and acquirer thresholds), and processor communication history. From there, we outline immediate pressure points and a roadmap to stabilize.

With our managed services, our team runs your dispute function, or builds one with you. Dispute OS is the same platform our analysts use, in your hands, for teams that want to handle disputes themselves. Many merchants start with one and move to the other as they grow.

Flex is success-based: you pay only on disputes we win, with no contract. A subscription gives you a predictable monthly rate for a 6-month term. If you're not sure of your volume or win rate yet, start on Flex. Once there's data, we'll show you which model costs less.

Visa, Mastercard, American Express and Discover disputes, analyzed against current network rules for each reason code. We also model how each processor runs disputes, including Stripe, Adyen, PayPal, Checkout.com and Braintree, so every case follows your processor's own stages.

Dispute OS tracks every case through its full lifecycle, including pre-arbitration, so escalations are flagged and handled with the evidence already on file. Our team can step in when a case needs expert handling.

Yes. You can assign cases to specific analysts and see who owns what, and every account is protected with two-factor authentication.

Every account is onboarded personally. We walk through your dispute volume, processors and most common reason codes, set up your team, and make sure your first cases go through smoothly.

It depends on your situation. Reactive stabilization (monitoring pressure, VAMP, ECP): 2–4 months typical. Function build-out from scratch: 3+ months. Ongoing oversight and optimization: retainer-based. Our goal is control, predictability and long-term stability, not temporary fixes.

Both. We support early-stage companies building risk infrastructure correctly from day one, growth-stage platforms experiencing dispute escalation, and established merchants under monitoring pressure. If you process digital payments, we can structure your risk function.

Yes. You don't need to be processing thousands of disputes a month to work with us. For lower-volume merchants, Advisory Support provides expert guidance, dispute strategy and structured recommendations at an accessible entry point, without full operational overhead. For SMBs ready for full execution, Dispute Operations, powered by Dispute OS, brings enterprise-level dispute handling to businesses of any size. Our AI processes the evidence, checks current network rules and drafts the rebuttal. Our team reviews and approves.

No. We support subscription and SaaS, fintech and embedded finance, marketplaces and regulated verticals. High-risk environments often need us most urgently, but preventative structure benefits any digital merchant.

Yes. We support merchants facing rising dispute ratios, acquirer warnings, network monitoring programs, and fraud spikes after product or pricing changes. We focus on measurable ratio recovery and processor alignment.

Yes, but engagements are structured intentionally. We don't sell isolated "dispute writing" services. Our work integrates evidence standards, ratio forecasting, fraud controls and processor communication, so everything works together to reduce exposure long-term.

We collect only what's needed to fight your disputes: case details, cardholder name, the card's last four digits and the evidence files you upload. Evidence files are stored encrypted, every account is protected with two-factor authentication, and your data isn't shared with third parties.

Most dispute vendors process volume on templates. We build function. Our work is reason-code specific, built on current network rules, and powered by our own proprietary technology. We are operators and builders, not a processing shop.

Yes, but our team leads every case. Dispute OS reads evidence files, checks current network rules, identifies gaps and drafts rebuttals. Every output is reviewed by a human analyst before submission. The AI makes our team faster and sharper; it doesn't replace their judgment.