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Solutions for issuers

Review disputes with structured, consistent evidence

Better evidence packages mean faster review, fewer escalations and fairer outcomes for cardholders and merchants alike.

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What SIMPLIChargeback does for you

Five ways it improves the cardholder experience

Better evidence on the merchant side means faster, fairer decisions on yours.

01

Resolve disputes faster

Swifter merchant responses and clearer evidence shorten dispute cycles for cardholders.

Without clear evidence
With SIMPLIChargeback

Illustrative: dispute cycle length

02

Build cardholder trust

Quicker outcomes and greater purchase transparency help cardholders feel confident in their issuing institution.

Dispute raised
Clear update
Evidence shared
Fast outcome

A transparent journey from claim to outcome

03

Reduce operational effort

Automate intake, routing and filing to reduce analyst workload and case handling time.

Automated Analyst review
IntakeRouteFile

Illustrative: routine work flows through

04

Review clearer evidence

Standardised, source cited merchant evidence supports fair, defensible liability decisions.

Source cited Standardised Defensible
05

Avoid unnecessary disputes

Help cardholders recognise purchases through clearer transaction details, reducing confusion and avoidable dispute handling.

Clear merchant name Order details Receipt and updates
Recognised purchaseCardholders know what they bought
Fewer confused cardholders Fewer avoidable disputes Less handling time

Why it matters

What changes for you

Structured packages

Every representment arrives in a consistent format with sources cited.

Faster review

Reviewers see the key facts, contradictions and timeline at a glance.

Fewer escalations

Clear evidence reduces disagreement and arbitration.

Challenges and capabilities

Matched, one to one

Challenge
Capability
Evidence arrives in inconsistent formats→A standard evidence package for every case.
Reviewers must hunt for the key facts→A summary of timeline, evidence and contradictions.
Genuine failure and friendly fraud look alike→Signals that separate the two, with confidence scores.
Complex cases consume specialist time→Escalation paths for arbitration and regulatory sensitive cases.

How it works

Four steps from alert to outcome

  1. ReceiveA structured representment arrives from the merchant side.
  2. ReviewKey facts, timeline and contradictions are summarised.
  3. DecideConfidence scores support a consistent decision.
  4. RecordThe outcome and its reasoning are logged.

What to measure

Pilot KPIs agreed up front

Review time per case

Minutes taken to reach a decision.

Escalation rate

Share of cases escalated.

Audit retrieval time

Speed of producing a full case history.

Issuer FAQs

Ten questions issuers ask us

Straight answers on evidence, fairness, effort and getting started.

How does SIMPLIChargeback help us resolve disputes faster?

Merchants respond sooner because evidence is retrieved and drafted automatically, and the response arrives in a standard, source cited format. Reviewers spend less time chasing missing information, which shortens the cycle for cardholders.

What does a standardised evidence package contain?

A structured summary of the timeline, the payment, order, fulfilment and communication records that support the merchant's position, flagged contradictions and a confidence score. Every statement cites its source record.

How does it support fair and defensible liability decisions?

Evidence is consistent across cases, contradictions and gaps are flagged rather than hidden, and complex or sensitive cases escalate to specialists. Each decision keeps a full record of inputs, sources and approvals.

Does it replace our dispute analysts?

No. It automates intake, routing and filing, and it prepares evidence, so analysts focus on judgement. People stay in control of high value, ambiguous, novel and regulatory sensitive cases.

How does it improve the cardholder experience?

Quicker outcomes and clearer evidence help cardholders understand what happened to their money. Transparent updates build confidence in their issuing institution.

How can it reduce unnecessary disputes?

Clearer transaction details help cardholders recognise purchases they made, which reduces confusion and avoidable dispute handling. Alert and deflection integration is planned within our first year roadmap.

Which schemes and reason codes are supported?

The core product classifies Visa and Mastercard reason codes and maintains a versioned scheme rule library and deadline engine, so cases are handled under the right rules.

How is sensitive data protected and audited?

Card numbers are obfuscated, agents are permissioned to read only what they need and an immutable ledger records every input, source, model version and approval. A security, governance and compliance evidence pack is on our roadmap.

How does it connect to our systems?

Through a secure integration fabric with APIs and file connectors, wrapped around existing infrastructure. Issuer specific products are on our roadmap for the second year, and we welcome design partner conversations now.

How do we get started and measure success?

We begin with a diagnostic and pilot, then agree KPIs such as review time per case, escalation rate and audit retrieval time. We baseline them on your historical cases and report against them throughout.

Next step

See SIMPLIChargeback working on your own disputes

Share a sample of historical disputes and we will show you the evidence, the recommended action and the audit trail.

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