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Now with the agentic Representment Engine

The whole dispute lifecycle,
working on its own.

FRAUDefender prevents, resolves, surfaces and recovers — across Visa and Mastercard — through one integration to the global issuer network. Stop chargebacks before they form, and let agents fight the ones worth fighting.

Start enrollmentSee the engine work
IdentifyProtectDefend99%+ issuer reach
Live · 7 agents workingone transaction
Prevent
15–45% · of pre-disputes deflected at inquiry
Resolve
99%+ · of eligible disputes resolved automatically
Inform
99%+ · of global issuers in the network
RecoverNew
4 agents · working each case end-to-end
OutcomeDispute resolved before chargeback
0%+
of eligible disputes resolved automatically
via Rapid Dispute Resolution
0.0s
to deliver an Enhanced Digital Receipt
to the issuer’s agent, live on the call
0%+
of global issuers in the network
one integration, worldwide reach
0
lifecycle stages, one platform
Prevent · Resolve · Inform · Recover
The dispute lifecycle

Four stages. One platform. Every chance to resolve.

Each service is separate and you choose what to run — but they’re built to work in sequence, creating multiple opportunities to settle a concern before it ever becomes a costly chargeback.

Stage 01 · before a dispute exists

Stop disputes at the cardholder inquiry

The moment a cardholder questions a charge with their bank, PREVENT pushes a full Enhanced Digital Receipt to the issuer’s agent — in real time, before any dispute is filed.

Order Insight delivers transaction detail to the issuer in ~2.5 seconds
PREVENT+ (CE3) blocks friendly fraud using prior-transaction history
Many inquiries resolve with no refund and no chargeback
15–45%of pre-disputes deflected at inquiry
The service suite

Six services. Take only what you need.

Connected to Visa and Mastercard, each service is distinct and independently switched on. Run them together and disputes are mitigated as completely — and as cheaply — as possible.

Configure a stack
Prevent

PREVENT

Order Insight

Real-time transaction verification at the issuer.

Connected directly to the card network: when a cardholder calls their bank, we assemble an Enhanced Digital Receipt — date, time, location, URL, product, delivery — and put it in front of the issuer’s agent within ~2.5 seconds.

No refund required~2.5s receiptVisa network
Prevent

PREVENT+

CE3 / Compelling Evidence 3.0

Advanced pre-dispute prevention from purchase history.

Qualifies a disputed transaction against the cardholder’s own history — two prior undisputed transactions from the same PAN within 120–365 days. When the pattern holds, the dispute is blocked as friendly fraud and we submit the evidence.

Friendly-fraud blockHistory-qualifiedNo refund
Resolve

RDR

Rapid Dispute Resolution

Preemptive, rule-based chargeback prevention for Visa.

Resolves Visa disputes automatically before they become formal chargebacks. You define the resolution rules; RDR executes in real time with no manual intervention — capable of resolving 99%+ of eligible disputes.

99%+ resolvedYour rulesFlat fee
Resolve

CDRN

Cardholder Dispute Resolution Network

Card-brand-agnostic dispute protection.

Unlike RDR and MC Resolve, CDRN spans most major card brands — a universal safety net. When an alert arrives, we refund on your behalf or pass it to you with a 72-hour window, stopping escalation.

Multi-brand72-hour windowPre-VAMP
Resolve

MC Resolve

MC Resolve + MC Insight

Mastercard dispute resolution & transaction insight.

MC Resolve automatically refunds on alert to prevent a chargeback; MC Insight delivers real-time transaction transparency to Mastercard cardholders — reducing chargebacks without issuing refunds.

MastercardAuto-refundInsight feed
Inform

INFORM

Fraud Intelligence

Centralized, real-time fraud & dispute intelligence.

One integration delivers all Visa-confirmed fraud notifications (TC-40) plus comprehensive fraud and non-fraud dispute alerts — the intelligence layer to monitor trends, refine detection and protect revenue streams.

TC-40 feedOne APITrend analytics
New · Agentic
Recover · the representment engine

Agents that build the case, gates that keep you in control

When a chargeback lands, four agents take it end-to-end — collecting evidence, drafting the representment, and clearing every eligibility gate. The clean cases file themselves. Everything ambiguous routes to a human, with the full reasoning attached.

How a case moves
Chargeback intakeprocessor batch file
Evidence Collectorassembles CE package
Representment Drafterwrites the narrative
Auto-submit gate6 eligibility checks
All gates pass
Filed automatically
Any gate fails
Human review queue
Refund & credit-issuing actions never auto-enable. Agents recommend and draft; money moves on your sign-off.
FRAUDefender · Unified queuelive
ingesting processor batch…
0 auto-filed0 routed to reviewgate: 6 checks
The agents on the case
Alerts
RefundGate

Recommends refund, decline or escalate on every inbound alert — with a confidence score and the rules it cleared.

Chargebacks
Representment Drafter

Writes the dispute narrative tailored to the reason code and links the supporting evidence.

Chargebacks
Evidence Collector

Assembles the compelling-evidence package — receipts, auth signals, delivery proof, prior history.

Compelling Evidence
CE Pipeline

Deterministic eligibility checks paired with AI evidence selection, so only qualified cases proceed.

Built for both sides of the integration

One platform, two ways to win

Whether you’re routing volume for a portfolio of merchants or fighting your own VAMP ratio, the lifecycle meets you where you are.

Processors, PSPs & CMS partners

One integration to the global issuer network. Offer the full dispute lifecycle to your merchant base as a value-add, with per-MID configuration and reseller-grade controls.

Multi-tenant, per-MID rules & caps
Reseller integration to Order Insight
Portfolio-level fraud & dispute analytics

Merchants under VAMP pressure

Attack your VAMP ratio upstream. Prevent and resolve disputes before they’re filed, recover the ones worth fighting, and watch fraud trends daily — so you stay well under acquirer thresholds.

Daily VAMP-ratio visibility
Friendly-fraud blocking with CE3
Agentic representments to recover revenue
Visa VAMP · 2025–2026

The thresholds just got tighter. Get ahead of them.

From April 2025, TC-40 fraud alerts resolved through RDR count toward your VAMP ratio — and the ceiling keeps dropping. The lifecycle attacks the ratio upstream, before alerts are ever filed.

Threshold falling 0.9% → 0.3%Acquirers will hold you to even stricter internal buffers to protect their portfolios.
TC-40 via RDR now countsFraud chargebacks hit your ratio even when resolved — though non-fraud TC-15 stays excluded.
One 3-month grace periodGranted once per rolling 12 months. Catching trends early is the only reliable defense.
VAMP & savings modelIllustrative
Monthly transactions60,000
Current fraud + dispute rate0.90%
Average transaction value$120
Your VAMP ratio vs the 0.3% ceilingOver threshold
0.30%
Now 0.90%With FRAUDefender 0.13%
Monthly exposure now
$78.3K
540 disputes/mo
Protected / recovered
$67.3K
≈86% of exposure addressed
Model this for your portfolio
Pricing model

You only pay when it works

No upfront platform fee. Each service carries a per-outcome price — charged when a dispute is genuinely deflected or resolved on your behalf.

Pay per successful outcome

Fees apply when a dispute is actually deflected or resolved — not on a subscription. If a service doesn’t stop the dispute, you’re not charged for it.

Every service is optional

Switch on only the services you want. They’re built to work in sequence, hand in hand, with no overlap.

Lowest total mitigation cost

Running the full stack resolves disputes as early — and as cheaply — as possible, before expensive chargeback fees ever land.

ServiceYou pay when…Fee basisOutcome
PREVENTOrder InsightA pre-dispute is deflected at inquiryFlat, per outcomeNo refund required
PREVENT+CE3Friendly fraud is blocked pre-disputeVariable by transaction valueNo refund required
RDRRapid Dispute ResolutionA Visa dispute is resolved (credit issued)Flat · all MCC codesCredit issued
MC ResolveMastercardA Mastercard dispute is resolvedFlat, per outcomeCredit issued
CDRNMulti-brandA dispute is resolved across card brandsPer outcomeRefund or 72-hour pass-through
INFORMFraud intelligenceFraud & dispute alerts are deliveredPer integrationTC-40 + dispute feed
Per-outcome rates are set with your team during enrollment — combine services for the lowest blended cost.Get your rate sheet
Questions

The details that matter

How the agentic layer, the gates, and the card-network rules actually fit together.

Rules still gate everything — but agents do the work between the rules. The Drafter writes a reason-code-specific narrative, the Collector assembles the evidence, and each action lands with a confidence score and audit trail. The auto-submit gate files only the cases that clear every check; everything else routes to a human queue.

Refund and credit-issuing flows never auto-enable. Agents can recommend and draft, and you can opt specific low-risk, capped flows into automation — but the platform is built so money-moving actions require your sign-off by default.

From April 2025, TC-40 fraud alerts resolved through RDR count toward your VAMP ratio, and the threshold tightens toward 0.3% by 2026. The lifecycle is designed to attack the ratio upstream — preventing and resolving before alerts are ever filed, while INFORM gives you the daily visibility to stay ahead.

Yes. Every service is distinct and you choose which to enable. They’re designed to work sequentially, hand in hand, so running them together gives the most complete coverage at the lowest mitigation cost — but the choice is yours.

A single integration links you to the global issuer network across Prevent, Resolve, Inform and Recover. Connect directly to Order Insight or work through us as a reseller; enroll merchants and configure per-MID rules, caps and auto-submit behavior from the console.

Identify · Protect · Defend

Put the full dispute lifecycle behind every transaction.

See the agentic engine resolve live cases, model your VAMP exposure, and enroll the services you need — one integration, worldwide issuer reach.

Start enrollmentBook a demo
Pick only the services you want