Win more of the disputes you should be winning, prevent the chargebacks that shouldn't be happening, and catch the abuse the rest of your stack is missing.
and othersWin rate is a vanity number — it doesn’t help your ratio. We measure the percentage of winnable disputes you’re winning and tell you the gap. One ecommerce client found 90% of disputes tagged “fraud” were actually friendly fraud — response packages had been tuned for the wrong category for years. Response rate moved from 18% to 100%. Projected net recovery: ~15% to 40%+.
Not alert subscriptions. Actual root cause: which policies, which billing descriptors, which auth flows are generating chargebacks — and what to change. One marketplace client found three policy gaps responsible for ~33% of total chargeback volume. Two of the three were upstream and fixable in product, not response. Every prevented chargeback is worth more than every won dispute.
A single customer driving $20.9K in exposure across 26 cards over 28 disputes — same customer, different identities, 89% concentrated on one event type. Caught in week two. Patched in week three. The patterns the rest of your stack is missing, surfaced before they compound.
Three patterns, three customers, surfaced in the first weeks of being on the platform.
Response rate, one quarter
90% of disputes tagged “fraud” turned out to be friendly fraud — response packages had been tuned for the wrong category for years. Projected net recovery: ~15% to 40%+.
Fraud-ring exposure, caught week two
A single customer using 26 cards across 28 disputes — same customer, different identities, 89% concentrated on one event type. Patched in week three.
Of chargeback volume from three policy gaps
Two of the three were upstream of the dispute team and fixable in product, not response. Every prevented chargeback is worth more than every won dispute.
Disputed brings three things: the intelligence, the platform, and the experts. Take what you need.
When the buyer is an AI agent, reason codes, liability, and evidence requirements stop making sense. Enterprise teams are already running dispute work through internal agents — Slack queries, Claude workflows, ChatGPT ops — and the vendors built around the old framework can't keep up.
Disputed exposes its intelligence through MCP and APIs natively. Your agents query disputes the way they query data warehouses.
Whichever deployment you pick, you're betting on an intelligence layer ready for what's next.
Centralize and automate your chargeback management across all major payment processors
Simplified Management
Connect once to manage all your payment processor relationships through a single, powerful interface.
Real-time everywhere
Real-time data synchronization with each processor's platform — disputes, evidence, and outcomes stay in lock-step.
Unified Dashboard
Streamlined handling of chargebacks across all connected platforms. Single interface to manage responses for all processors.
No reports to request. No exports to pivot. No black box.
Dispute queue
Sorted by deadline and the model's confidence in the win.
Evidence package
Drafted before you open the case.
Root-cause panel
Names the policy gaps driving last month's volume.
Winnable-universe gauge
Shows the gap between your win rate and recoverable revenue.
Abuse feed
Surfaces patterns your team hasn't named yet.
Full transparency
Every decision shown alongside the case. Override anything. No black box.
For headless customers: every one of these as a query, an MCP tool call, or a webhook.
Dispute spend is a line item, not a contingency fee. Your vendor shouldn't earn more by disputing things they shouldn't. Ours doesn't.
Shawn Kelley
CEO · Co-founder
Led payment and risk operations at SeatGeek, where he developed the company's payments platform and pioneered its post-pandemic fraud response. He started Disputed because no chargeback vendor he'd tried as a merchant combined flexibility and automation at enterprise scale.
Andrew Hart
CTO · Co-founder
Has built data-driven systems from NASA's Jet Propulsion Laboratory to leading SeatGeek's Enterprise Platform engineering. Knows which integration shortcuts a Fraud Director will regret in year two.
The product is opinionated because the team is. They're earned ones.
“Disputed has been a transformative partner in how we handle chargebacks. Their AI-driven platform, combined with their deep industry expertise, has streamlined our dispute process, improved our win rates, and reduced chargeback-related losses. Their strategic and proactive approach goes beyond just fighting disputes—they help us prevent them.”
Disputed is built for enterprise procurement. SOC 2 Type II certified, GDPR-ready, and designed to pass your infosec review — not just check boxes.
Independently audited security controls covering availability, confidentiality, and processing integrity.
All data encrypted in transit (TLS 1.3) and at rest (AES-256). Keys rotated on a quarterly schedule.
Contractual uptime guarantee backed by redundant infrastructure and 24 / 7 on-call engineering coverage.
Every platform action is immutably logged with user, timestamp, IP, and a before / after diff — ready for your compliance team.
Granular permissions across teams, queues, and data objects. SSO via SAML 2.0 / OIDC (Okta, Azure AD, Google Workspace).
Set retention windows per data type. Automated deletion workflows satisfy internal policies and regional privacy requirements.
Dispatches on chargebacks, fraud operations, and the intelligence layer behind them.
Give us your data and about three weeks. You'll get back a written report: the disputes you should be winning, the chargebacks you could have prevented, and the patterns nobody's named yet. The kind of thing you can hand to your CFO.
