Stripe-native chargeback defense

Stop funding fraud.
Automate your defense.

High-volume merchants lose millions to friendly fraud and disputed transactions. Our middleware intercepts Stripe dispute webhooks, assembles evidence, and submits structured rebuttals through the Stripe Disputes API — typically within minutes of the dispute.

TLS 1.3 in transit · AES-256-GCM at restZero-trust access controls120-day data destruction
Operators reviewing the Dispute Predator dashboard — recovered totals, fraud attempts blocked, and disputes stopped — on a wall display in a downtown Salt Lake City office.
Illustrative dashboard preview. Numbers shown reflect a hypothetical merchant; actual recovery varies by reason code mix and evidence quality.

Operational flow

Three steps. No human in the loop.

From Stripe OAuth to first rebuttal, the engine is self-deploying.

01

Connect Stripe

OAuth in about 30 seconds. We request the minimum scope to read disputes and write rebuttal evidence. We do not move funds.

02

Intercept the webhook

When Stripe fires charge.dispute.created, our worker ingests it in real time. We pull transaction context, query connected logistics sources, and assemble a structured rebuttal package.

03

Submit the rebuttal

The rebuttal is filed via the Stripe Disputes API typically within minutes of the original webhook. If we win, our success fee comes from the recovered amount. If we lose, you pay nothing.

Capital exposure model

Model your exposure

Three inputs. Adjust the recovery-rate assumption to your risk appetite — we don't fix it for you.

Industry representment win rates range 25–55% by reason code. The default 35% is a conservative midpoint. Your actual rate depends on evidence quality and your reason code mix.
$500,000
1.00%
35%
Annual cash lost
$60,000
Net recovery
+$15,750

Numbers are model projections from your inputs, not guarantees. Actual recovery depends on reason code, evidence quality, and cardholder bank.

Reason code coverage

What we can win. What we can't.

Recovery is bounded by the reason code, not by marketing.

High recoverability
  • product_not_received
  • product_unacceptable
  • duplicate
  • credit_not_processed

Strong outcomes when carrier proof, delivery confirmation, or refund records are available.

Mixed recoverability
  • subscription_canceled
  • unrecognized
  • incorrect_account_details

Outcome depends on the strength of customer-acceptance records and prior history.

Low recoverability
  • fraudulent
  • general
  • check_returned

Card networks structurally favor cardholders. We file but bound expectations.

Tiers

Three tiers. Pure performance or escalation.

Annual prepay reduces the retainer by 15%. Founding members during the cohort window receive an additional retainer discount.

TIER 1

Essential

Self-serve. Most merchants under ~$250k/mo gross.

25%success fee

$0 retainer

Connect Stripe in under a minute. We file rebuttals on every dispute. You pay only on disputes we win.

  • Real-time webhook ingestion
  • Automated evidence assembly
  • Stripe Disputes API submission
  • Self-serve, OAuth-only deployment
Most chosen

TIER 2

Professional

Application-gated. Higher-volume merchants needing fraud signals.

15%success fee

+ $1,497/mo retainer

Lower success fee plus retainer. Adds fraud-signal lookups, priority routing, and a dedicated integration engineer. Reviewed within one business day.

  • Everything in Essential
  • IPQualityScore fraud-signal lookups
  • Ekata available at upgrade
  • Priority webhook routing
  • Dedicated integration engineer

TIER 3

Enterprise

For merchants facing organized friendly-fraud campaigns or processing at scale.

12.5%success fee

+ $4,997/mo retainer

Custom escalation. Includes physical evidence delivery, multi-channel response, and dedicated success management. Application required. Capabilities are governed by a separately executed addendum reviewed by both parties' counsel.

  • Everything in Professional
  • Physical evidence delivery
  • Multi-channel response capability
  • Dedicated success management
  • Separately executed Service Addendum

Tier 1 is fully self-serve via Stripe OAuth. Tier 2 and Tier 3 are application-gated. Tier 3 capabilities are governed by a separately executed Service Addendum reviewed by both parties' counsel and disclosed only under NDA.

Operator FAQ

Questions a serious operator asks.

Stripe only. Webhook ingestion, OAuth, and the Disputes API are all Stripe-specific. PayPal, Adyen, Braintree, Shopify Payments, and Square are not supported.

Inertia is the only cost.

Every day without interception is another batch of disputes your team is fighting manually — or losing by default.