Offer a fixed-fee or contingency-based recovery service that collects receipts, screenshots, account statements, and support history, then prepares the appropriate merchant complaint, bank dispute, or regulator escalation. Human case managers would track deadlines and responses while giving customers a documented case file. The initial service should exclude complex identity theft and litigation.

More consumer transactions now cross merchant apps, stored-value accounts, digital wallets, and banks, creating unclear responsibility when a payment fails. The observed complaints show consumers losing access to funds and struggling to identify an effective escalation path.