What sellers ask before signing up.

Inside 48 hours of a dispute landing, and usually the same day. That matters more than most people realise:

• You get a fixed window to respond, and it runs from when the dispute is filed, not from when you notice it.
• Miss it and the case is closed against you automatically. There is no appeal for a missed deadline.
• You get one submission. Filing something thin to beat the clock and planning to follow up is not an option — there is no follow-up.

Keep it if it’s working. Three questions worth asking it:

• Do you know your win rate broken down by reason code?
• Has your dispute ratio actually moved since you switched it on?
• Does a human read the submission, or does it auto-send whatever it scraped?

Most of these tools were built for Shopify, where the winning evidence is a tracking number and a delivery confirmation. That evidence does not exist for a $7,000 coaching programme, so the template fires anyway and loses.

Yes, as long as the response window hasn’t closed. On the first call we go through what’s open and tell you which ones are worth fighting.

• Anything with a deadline inside 48 hours goes first.
• Cases we don’t think can be won, we say so — filing a weak response just to be seen to fight doesn’t help you.

This is the whole game, and it’s where most sellers are losing without knowing why. For a digital product the bank wants proof that the person who’s disputing is the person who bought, and that they got what they paid for. In practice that means:

• IP address or device ID at checkout. For digital goods the card networks require one of these as a matching data point. Email address and account name don’t substitute. If you capture neither, the strongest category of defence is closed to you entirely.
• Login records with timestamps and IPs. Someone logging in after the charge, from the same place they bought, is the single most persuasive thing you can put in front of an issuer.
• Consumption data. Modules completed, calls attended, files downloaded, messages posted in the community. Hard to claim you never received something you were halfway through.
• The acceptance record for your terms. Not the policy text — the stored record of them ticking the box, with the timestamp and IP. A link in your footer is not agreement.
• Your support history with them. Especially anything showing they were happy, or that you offered a resolution they declined.

Most sellers have three or four of these sitting in systems they already pay for, and have never pulled them into a single filing.

It’s the most common pattern we see, and it’s argued differently from a paid-in-full dispute.

• Each disputed charge needs evidence for its own period — that access was used in the month that was billed.
• The strongest single document is the schedule they accepted before the first payment, with the total written out.
• Reminders before each instalment remove most of these disputes before they happen.

We’ll tell you ours once we have one on your book. Quoting an industry average would be dishonest — published win rates come from ecommerce, where the evidence is a tracking number and a signature, and digital products behave nothing like that.

What we will tell you before you sign anything:

• Which of your open disputes we think are winnable, and which aren’t.
• The reason codes you’re getting hit with most, in plain English.
• What’s missing from your evidence that we can’t fix retroactively.

Be sceptical of anyone quoting you a percentage before they’ve seen a single one of your cases.

Both, but they’re separate jobs and it’s worth being precise about it, because a lot of vendors blur the two.

• Winning a case gets your money back. On its own, most wins do not remove the dispute from the ratio your processor is watching. The money comes back and the black mark stays.
• One specific defence does both — and it’s only available when you’ve captured the right data at checkout. That is why the scoring tool leads with the identity question.
• The rest is prevention. Descriptor, refund route, response time, payment-plan reminders. Unglamorous, and it’s what actually moves the ratio month over month.

We do the recovery on contingency and tell you the prevention fixes for free. You don’t need us to implement most of them.

A restricted key, scoped to disputes only. You create it inside your own dashboard and you can revoke it at any time, which ends the engagement on the spot.

• We can read disputes and submit evidence on them.
• We cannot see your balance, your payouts or your bank details.
• We cannot issue a refund, move a dollar, or change your settings.
• We cannot create other keys or add users.

On Whop it’s the same principle through their API. If you’d rather not grant access at all, we can work from exports you send us — it’s slower, and deadlines are the thing that kills cases, so we don’t recommend it.

Yes — Stripe and Whop are the two we support. If you’re on something else, tell us what it is; if we can’t read your disputes programmatically we’ll say so rather than take you on and work blind.

Realistically, under an hour of your time:

• A restricted API key from Stripe or Whop.
• Read access to wherever your product lives — the course platform, the community, the calendar.
• Your current terms, refund policy and checkout page.
• Your support inbox, or exports from it.
• One call to walk us through how you actually sell and deliver.

We do the rest. You’ll hear from us when a case needs something only you can answer.

Usually a few small changes, not a rebuild. Most course and community platforms already record much of what’s needed — the gap is that nobody has turned it on or pulled it out. What we typically ask for:

• IP address and device ID captured at checkout, if they aren’t already.
• A tick-box acceptance of your terms, stored with a timestamp.
• A billing descriptor that matches your brand name.
• A reminder email before each payment-plan charge.

You get the list in order of impact. You decide what to change and when.

You pay nothing on that case. We only invoice on money that actually lands back in your account.

No retainer, no setup fee, no minimum, no monthly platform charge. The only way this costs you money is if it makes you money first.

• 20% of amounts actually recovered, capped at $1,500 per case.
• Invoiced monthly in arrears, on cases that were won and funded in that month.
• A case that’s won and later reversed comes off the next invoice.
• If we ever quote you for prevention work, that’s agreed in writing before it starts. We don’t bill surprises.

Then the clock matters more, not less. What we can and can’t do:

• We can fight the open disputes, which is what your ratio is being measured on going forward.
• We can help you put together the remediation plan processors ask for — what changed, when, and what evidence backs it.
• We can’t make a processor release a reserve or lift a freeze. That’s their decision on their timeline, and anyone promising otherwise is guessing.

If you’re already terminated, say so on the first call. The honest answer might be that you need a payments consultant before you need us.

No. Nobody can. A MATCH listing is placed by the acquirer who terminated you and it stays for five years unless that same acquirer removes it — which they will only do if they made an error.

Anyone advertising MATCH removal is selling you something that doesn’t exist. If you’re listed we’ll tell you straight and point you at the people who handle high-risk placement instead.