A SaaS^? platform that integrates with Stripe/PayPal to inject a 'Direct Resolution' button into post-purchase emails, receipts, and customer portals. When clicked, it offers instant refunds for eligible cases and opens a direct chat with the merchant. AI monitors purchase-to-usage patterns to identify at-risk customers (e.g., no login after purchase) and triggers proactive outreach with one-click resolution options, intercepting disputes before they escalate to banks.

Chargeback fraud and friendly fraud have increased 30% since 2021, costing merchants $125B annually. New PSD2 regulations in Europe and Visa's Compelling Evidence 3.0 rules now require merchants to provide better pre-dispute evidence, making proactive resolution systems not just beneficial but necessary for compliance.