How it works

Every dispute answered. Every gap closed.

We fight the disputes you already have, and set up the evidence that makes the next ones winnable — or stops them being filed at all.

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The first weeks

From first score to every dispute covered.

  1. TodayScore your evidenceFree and self-serve. You see where you'd lose and what it's costing you, on screen, with no call.
  2. Day 1Give us read-only accessA restricted key you create in Stripe or Whop. It can read and answer disputes. It can't see your balance, issue refunds or move money, and you can revoke it any time.
  3. Week 1The auditWe go through your last six months of disputes and your current setup — checkout, agreement, descriptor, delivery records — and hand you the gaps in order of impact.
  4. Within 48 hours of each disputeEvery dispute answeredEvidence pulled from your systems, argued for the reason code the bank used, read by a person, and filed well inside the deadline.
  5. Every monthNumbers and next fixesYour dispute rate against the thresholds processors watch, win rate by reason code, money recovered, and the next thing to fix.

One dispute, start to finish

What happens when a dispute comes in.

Software gathers the proof in minutes. A person decides what gets sent. Nothing is filed on autopilot.

  1. 01Dispute landsAlert from Stripe or Whop
  2. 02Evidence pulledCheckout, logins, delivery, support
  3. 03Matched to the codeFraud, not received, not as described, cancelled
  4. 04Human reviewRead and signed off
  5. 05FiledInside 48 hours
  6. 06DecisionBank rules in 30–90 days

Your systems in, one packet out

Payments, logins, delivery and support pulled into a single filing, argued for the exact reason they disputed.

The disputes you’ll see

Four dispute types. Each one is won differently.

The bank decides against the reason code the dispute was filed under. Every response is built for that code.

01Fraud · card not present

Filed as fraud

A buyer closed on a sales call disputes six weeks later and says they never made the purchase. Often it's remorse, or a partner who didn't know about the charge.

What we argue with
  • IP and device from checkout matched to their later logins
  • Prior undisputed purchases on the same card, 120–364 days old
  • The booking record and call that led to the sale
02Service not provided

Says they never got it

The program was delivered, but there's no shipment to point to — so the bank asks for proof of delivery and a screenshot of your course platform doesn't count.

What we argue with
  • Timestamped logins with IP, after the charge
  • Modules watched, calls attended, community activity
  • Access and welcome emails, with delivery confirmation
03Not as described

Says it wasn't what was sold

They used the program, didn't get the result they wanted, and dispute it as misrepresented.

What we argue with
  • The offer as sold — sales page and call — against what was delivered
  • The deliverables they agreed to in the signed agreement
  • Their own progress messages and support history
04Cancelled recurring · not provided

Stopped paying mid-plan

Three payments into six, they decide they're done and dispute every charge at once instead of calling you. One client, several marks on your ratio.

What we argue with
  • The full schedule shown and accepted before purchase
  • Access used in every period that was billed
  • The reminders sent before each instalment

Beyond the dispute

Everything we set up so the next one is winnable.

Most sellers lose on evidence they never captured. These are the pieces we put in place with you — in order of how much they move your numbers.

Evidence written for the reason code

Every response is built for the specific code the bank filed under. A fraud claim and a not-as-described claim are won with different evidence, so they never get the same packet.

Checkout that captures proof

IP address, device ID and a tick-box acceptance of your terms, stored with a timestamp on every sale. For digital goods, the IP or device match is what beats a fraud claim.

An agreement that holds up

Payment schedule, refund window and deliverables written into the agreement the buyer actually accepts — not a policy page nobody opened.

Delivery you can prove

Logins, module progress, call attendance and community activity logged per customer, and exportable in minutes when a deadline is running.

A statement line they recognise

Your billing descriptor matched to the brand they bought from. A name they don't recognise turns happy customers into disputes.

Reminders before every instalment

A notice before each payment-plan charge, with the amount and date. It removes the 'I didn't expect this charge' dispute entirely.

A refund path before the bank

A published refund window and a fast answer, so an unhappy customer comes to you first. A refund costs the sale; a chargeback costs the sale, a fee and a mark on your ratio.

Early warning, where supported

Dispute alerts that arrive 24–48 hours before a chargeback is filed, so you can refund the ones you'd lose instead of letting them count against you.

Monthly numbers you can act on

Your dispute rate against the thresholds processors watch, win rate by reason code, and which fix is next.

The exchange

Under an hour from you. The rest is on us.

What we need from you

  • A restricted Stripe or Whop key — read and respond to disputes only
  • Read access to where your product lives: course platform, community, calendar
  • Your terms, refund policy and checkout page
  • Your support inbox, or exports from it
  • One call on how you sell and deliver

What you get

  • Every dispute answered for its reason code, inside 48 hours
  • An audit of your last six months and your current setup
  • The fix list, in order of impact
  • A monthly report: rate, win rate by code, money recovered
  • A straight answer when a case isn’t worth fighting

What working with us looks like

Ninety days, side by side.

Illustrative example4-person coaching business · $300,000/month · mostly $3,000 split-pay plans · Stripe
Day 0Letting disputes close
  • Evidence score31 / 100
  • IP & device at checkoutNot captured
  • Terms & refund policyLink in the footer. “No refunds.”
  • Disputes answered0 of 9
  • Money back this quarter$0
Day 90Every dispute fought
  • Evidence score78 / 100
  • IP & device at checkoutCaptured on every sale
  • Terms & refund policyTicked at checkout, 14-day window
  • Disputes answered9 of 9, inside 48h
  • Money back this quarter$7,200 after our fee

Not a real client — we’re new, and we won’t invent case studies. This is what an engagement looks like, built on the same assumptions as the calculator: 9 disputes worth $27,000, a 35% win rate on the ones we fight, and our 20% taken out of what comes back. Your numbers will differ.

See where your own setup stands before anything else.

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