Industries - Financial
From chargeback to resolution, automatically.
Transaction disputes and chargebacks are costly, manual, and adversarial. Every unresolved dispute is a customer lost.
The challenge
Every unresolved dispute is a customer lost.
Chargebacks and transaction disputes consume operational margins. Each case is handled individually - document gathering, eligibility assessment, decision-making, compensation delivery. The process is manual, slow, and adversarial. Resolution teams drown in paperwork while customers wait weeks for answers.
The infrastructure is fragmented. SEPA networks, card networks, banking APIs - each with different protocols, timelines, and requirements. No unified view across systems. No real-time decisioning. No automated compliance checks.
1 in 3 cardholders experiences a dispute each year. An adversarial resolution process does not just cost money in operational overhead - it destroys the customer relationship. The customer who files a chargeback and waits 6 weeks for resolution is a customer you have already lost.
How it works
Dispute resolution, end-to-end.
Document analysis
Automated extraction and classification from dispute documents. OCR reads transaction records, merchant correspondence, and customer claims.
Eligibility assessment
Rules engine evaluates dispute validity against card network regulations, merchant agreements, and internal policies.
Decision engine
Connected to SEPA and 13 major French banks. Every decision cross-referenced against banking controls and compliance requirements.
Compensation delivery
Multi-channel payout - bank transfer, card credit, voucher. Banking-grade execution with full audit trail. Every transaction logged for compliance.
Our decision engine is connected to SEPA networks and verified against the 13 largest French banks. IBAN verification, SEPAMAIL controls, and anti-fraud checks run on every transaction. With Visa as strategic partner, we operate across four payout pillars: Visa Direct for refunds, Visa Consumers for legal compensation, Visa Commercial for commercial compensation, and Visa B2B Travel for urgent business expenses.
Strategic partnership
Visa is our strategic partner helping us scale and deliver our next-generation payout engine. Four pillars integrated: Visa Direct (refund), Visa Consumers (legal compensation), Visa Commercial (commercial compensation), Visa B2B Travel (urgent B2B expense).
The problem
- Manual dispute resolution eats operational margins
- Adversarial processes destroy customer relationships
- Fragmented tooling across SEPA and banking networks
Our solution
- Document analysis and eligibility assessment, automated
- Decision engine plugged into SEPA and major banks
- Compensation delivery across multiple payout channels