Chargeback Copilot
Win every dispute.
AI assembles evidence and drafts compliant chargeback rebuttals trained on Visa CE 3.0, Mastercard MCOM, and Amex/Discover dispute rules — tracks deadlines and outcomes.
Chargebacks aren't won by good lawyers — they're won by clean evidence packages assembled in the right order, against the right reason code, within the right window. U.S. merchants absorb $54.5B in annual chargeback costs. Chargeback Copilot automates the whole representment flow so merchants keep 100% of what they recover.
Why this exists
Most merchants lose chargebacks they should win because the evidence package is incomplete, late, or doesn't speak to the specific reason code. Hiring a representment service costs 25–50% of the recovered amount — and they still don't always win.
How Chargeback Copilot solves it
Copilot pulls transaction data, terminal logs, customer history, fulfillment records, and prior communications. It writes a representment letter targeted to the exact card-brand reason code, attaches the right evidence, and files within the dispute window.
The timing
Chargebacks keep climbing and the rules change faster than most teams can track. Winning now comes down to clean, on-time evidence built against the exact reason code — precisely what's hardest to do by hand and easiest to get right with automation.
What's inside.
Reason-code intelligence
Built on Visa CE 3.0, Mastercard MCOM, and Discover/Amex dispute rules — updated as networks change them.
Auto-assembled evidence
Pulls AVS/CVV results, IP logs, delivery confirmations, prior orders, and refund attempts automatically.
Network-ready PDF output
Formats representment packages exactly how processors and networks want them — submitted on time, every time.
Win-rate analytics
Track win rates by reason code, MID, BIN, and issuer — and learn which disputes to fight and which to absorb.
Pricing is tailored to your dispute volume. Book a demo and we'll build a quote around your chargeback load.
BOOK_A_DEMO →From signup to value in minutes.
Connect processor
Receive dispute notifications via webhook or daily sync.
Auto-pull evidence
Copilot fetches transaction, customer, and shipping records.
Review & approve
One-click approve the generated response, or edit in-app.
File & track
Submitted to the processor, status tracked through final disposition.
Common questions.
How is this different from a representment service?+
Representment services are outsourced firms that handle your disputes for you and charge a percentage of every win. Chargeback Copilot is software your own team runs — you keep the dispute process in-house instead of handing it to a third party.
Does it integrate with my e-commerce platform?+
Yes. Shopify, WooCommerce, custom platforms via API, and most major OMS systems.
When can I get access?+
Join the waitlist. We're sequencing pilots by volume — high-volume merchants and ISOs go first.
Will it handle pre-dispute alerts like Ethoca and Verifi?+
Yes. Alert feeds are on the roadmap so you can refund or deflect before a dispute becomes a chargeback.
Can my team review responses before they're filed?+
Always. Every representment sits in a review queue for one-click approval or in-app edits — nothing is filed without sign-off unless you enable auto-file.
Get early access to Chargeback Copilot.
Join the waitlist to be among the first to pilot this tool and help shape what it builds.
JOIN_WAITLIST →More in the toolkit.
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