Intercept payment disputes before they become costly chargebacks by giving customers a one-click direct refund channel.
Added Nov 30, 2025
Low opportunity (49%)
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Merchants lose $50-100 per chargeback when customers bypass them and dispute charges with their bank—often over simple misunderstandings or billing errors they'd happily refund directly. Customers take this route because finding support contact info is friction, and banks make dispute filing easy. This creates a lose-lose scenario: merchants pay fees and lose revenue, while customers wait weeks for resolutions.
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.
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Hey there, just before we jump into today's episode, I want to flag something that I know is pulling money out of your business right now, and most of you don't even see it happening. Like, you optimize for CAC, for conversions, for retention, but there literally is a leak at the very bottom of the funnel that most founders and marketers aren't watching, and that's chargebacks. And so, here's how it gets you. You win a customer, you ship the product, everybody's happy. Well, at least it seems that way. And then, I don't know, three or four months later, a dispute comes through. The bank claws money back out of your account, and then they even tack a fee on.
And you usually find out when you're kind of reconciling your numbers, and something is just a little bit off. And like, for a brand that's doing a few million dollars a year, that really adds up to like one to two percent of your total revenue. Like, literally, poof, gone. And most operators just eat it. Like, it's a cost of doing business. You know, I've even fought disputes manually, and to be honest with you, like, it's literally a full-time nightmare. And that's exactly what charge flow fixes. Like, two-click Shopify install, and their AI builds and submits the evidence on every single dispute for you. And here's the kicker. You only pay when they win money back for you.
Growth Triggers: Content Marketing & AI Here's the beauty of it. If I'm bestshoes.com, that chargeback never happens. I get to keep that money because every other product out there, you've got alerts. Okay, bestshoes.com gets an alert. Guess what they've got to do? Refund the money. They got to give it back, right? No fighting it, no nothing. Just here's my money. Here's your money back. on what's called RDR, which stands for Rapid Dispute Resolution. That's a Visa product. That happens after a chargeback's already gone through. And then again, bestshoes.com does a refund. So that money is gone. This actually saves them that money and keeps it in their bank account. It's bar none the best fraud tool and preventative chargeback measurements I've seen.
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