Sixteen agents trained on chargeback reason codes, network deadlines, CE 3.0 eligibility, and VAMP thresholds — so you don't re-teach Claude the rules every time a dispute lands.
Chargeback dispute management requires knowing the right reason codes, the right deadlines, and the right evidence hierarchy. Generic AI knows none of these.
Generic agents confidently cite "Visa 4855" as a real dispute code. It isn't. Wrong codes produce responses that get auto-rejected — and count against your ratio anyway.
Generic agents confidently cite "Visa 4855" as a real dispute code. It isn't. Wrong codes produce responses that get auto-rejected — and count against your ratio anyway.
Visa cut the US/Canada CNP response window from 30 to 9 calendar days in July 2025. Nine days. Most dispute workflows weren't built for that. Most agents don't know it happened.
Visa cut the US/Canada CNP response window from 30 to 9 calendar days in July 2025. Nine days. Most dispute workflows weren't built for that. Most agents don't know it happened.
Visa's Acquirer Monitoring Program replaced VDMP and VFMP in April 2025. New thresholds, new TC40 metric, new enforcement. Merchants still tracking against VDMP are managing to the wrong number.
Visa's Acquirer Monitoring Program replaced VDMP and VFMP in April 2025. New thresholds, new TC40 metric, new enforcement. Merchants still tracking against VDMP are managing to the wrong number.
Each agent covers a specific workflow — chargeback representment, ratio monitoring, fraud analysis, 3DS strategy, pre-arbitration, and more. Each ships as a tested system prompt with example inputs and expected outputs. Drop into Claude Code's .claude/agents/ for the full subagent experience, or paste into a Claude Project on the web.
Paste a dispute notification. Returns reason-code interpretation, a winnable/unwinnable verdict, the evidence you need to gather, and a first-draft representment calibrated to the specific code.
Paste a dispute notification. Returns reason-code interpretation, a winnable/unwinnable verdict, the evidence you need to gather, and a first-draft representment calibrated to the specific code.
Takes your evidence (screenshots, logs, tracking, customer comms) and produces a structured rebuttal in the format acquirers actually read. Handles Visa, Mastercard, and Amex response conventions.
Takes your evidence (screenshots, logs, tracking, customer comms) and produces a structured rebuttal in the format acquirers actually read. Handles Visa, Mastercard, and Amex response conventions.
Give it your PSP, transaction volume, and current fraud rate. Outputs a targeted 3DS rotation — by BIN, amount threshold, and geography — designed to minimise approval-rate loss while catching real fraud.
Give it your PSP, transaction volume, and current fraud rate. Outputs a targeted 3DS rotation — by BIN, amount threshold, and geography — designed to minimise approval-rate loss while catching real fraud.
Describe your current setup (Stripe, Adyen, Checkout, Braintree, etc.). Returns a side-by-side on fees, reserves, chargeback tooling, and regional coverage. No affiliate bias — it just reads the docs.
Describe your current setup (Stripe, Adyen, Checkout, Braintree, etc.). Returns a side-by-side on fees, reserves, chargeback tooling, and regional coverage. No affiliate bias — it just reads the docs.
Paste your Kount, Stripe Radar, or Signifyd rule set. Returns an honest review: what's dead weight, what's blocking legitimate revenue, what's missing, and the order to fix it.
Paste your Kount, Stripe Radar, or Signifyd rule set. Returns an honest review: what's dead weight, what's blocking legitimate revenue, what's missing, and the order to fix it.
Describe your checkout flow. Returns the fraud-signal gaps that invite disputes — missing CVV/AVS enforcement, absent velocity checks, weak 3DS trigger points, and device fingerprinting blind spots. Focused on what opens you to chargebacks, not conversion metrics.
Describe your checkout flow. Returns the fraud-signal gaps that invite disputes — missing CVV/AVS enforcement, absent velocity checks, weak 3DS trigger points, and device fingerprinting blind spots. Focused on what opens you to chargebacks, not conversion metrics.
Handles reason codes 4837 and 4855 — the two codes that account for the majority of dispute volume. Cross-references order history, delivery proof, and customer behaviour to flag repeat offenders, build the strongest evidence chain, and produce a rebuttal that survives second chargeback.
Handles reason codes 4837 and 4855 — the two codes that account for the majority of dispute volume. Cross-references order history, delivery proof, and customer behaviour to flag repeat offenders, build the strongest evidence chain, and produce a rebuttal that survives second chargeback.
Paste your refund policy. Returns the clauses that invite disputes, the language regulators flag, and a rewritten version that reduces 'not as described' chargebacks without tanking your return rate.
Paste your refund policy. Returns the clauses that invite disputes, the language regulators flag, and a rewritten version that reduces 'not as described' chargebacks without tanking your return rate.
For Verifi/Ethoca alert subscribers. Takes the alert payload, decides refund-now vs. fight, and writes the internal ticket. 10-minute decisions become 30 seconds.
For Verifi/Ethoca alert subscribers. Takes the alert payload, decides refund-now vs. fight, and writes the internal ticket. 10-minute decisions become 30 seconds.
Paste your refund policy and subscription terms. Checks them against the specific Visa and Mastercard clauses that generate the most disputes — unclear cancellation terms, missing delivery windows, buried no-refund language. Returns the exact fixes, not a compliance lecture.
Paste your refund policy and subscription terms. Checks them against the specific Visa and Mastercard clauses that generate the most disputes — unclear cancellation terms, missing delivery windows, buried no-refund language. Returns the exact fixes, not a compliance lecture.
When an issuer rejects your representment and files pre-arbitration, you have one window left — and losing costs €500 in network fees alone. Takes your original rebuttal, the issuer's rejection, and any new evidence. Returns a pre-arb response or a clear call to absorb.
When an issuer rejects your representment and files pre-arbitration, you have one window left — and losing costs €500 in network fees alone. Takes your original rebuttal, the issuer's rejection, and any new evidence. Returns a pre-arb response or a clear call to absorb.
Paste your dispute and transaction counts by month. Returns your current ratio, your distance from Visa VAMP (0.9% dispute / 0.3% TC40) and Mastercard MDMP thresholds, and the exact dispute volume you need to eliminate — before your acquirer puts you on a watch list.
Paste your dispute and transaction counts by month. Returns your current ratio, your distance from Visa VAMP (0.9% dispute / 0.3% TC40) and Mastercard MDMP thresholds, and the exact dispute volume you need to eliminate — before your acquirer puts you on a watch list.
Billing descriptors customers don't recognise generate more 'I don't know this charge' disputes than any other single factor. Paste your current descriptor, merchant name, and product type. Returns optimised alternatives ranked by recognition likelihood and network compliance.
Billing descriptors customers don't recognise generate more 'I don't know this charge' disputes than any other single factor. Paste your current descriptor, merchant name, and product type. Returns optimised alternatives ranked by recognition likelihood and network compliance.
Amex routes most disputes through an inquiry (RFI) before a formal chargeback — a separate, faster window most merchants miss entirely. Takes the inquiry code and order details. Returns the correct response format, the evidence Amex reads at inquiry stage, and the deadline you cannot miss.
Amex routes most disputes through an inquiry (RFI) before a formal chargeback — a separate, faster window most merchants miss entirely. Takes the inquiry code and order details. Returns the correct response format, the evidence Amex reads at inquiry stage, and the deadline you cannot miss.
Most disputes could be stopped before they're filed. Takes your post-purchase email sequence — order confirmation, shipping notification, delivery, subscription renewal. Returns the specific gaps that cause 'I never received this' and 'I didn't authorise this' disputes, and the exact copy fixes.
Most disputes could be stopped before they're filed. Takes your post-purchase email sequence — order confirmation, shipping notification, delivery, subscription renewal. Returns the specific gaps that cause 'I never received this' and 'I didn't authorise this' disputes, and the exact copy fixes.
Free trial abuse, failed cancellations, and renewal disputes follow their own evidence rules — Visa 13.6, Mastercard 4841, Amex C28. Takes your subscription event log, cancellation policy, and the dispute code. Returns a timeline reconstruction and the evidence chain that wins — or calls the loss early.
Free trial abuse, failed cancellations, and renewal disputes follow their own evidence rules — Visa 13.6, Mastercard 4841, Amex C28. Takes your subscription event log, cancellation policy, and the dispute code. Returns a timeline reconstruction and the evidence chain that wins — or calls the loss early.
Scroll to explore all 16 agents
Paste a dispute notification. Returns reason-code interpretation, a winnable/unwinnable verdict, the evidence you need to gather, and a first-draft representment calibrated to the specific code.
Paste a dispute notification. Returns reason-code interpretation, a winnable/unwinnable verdict, the evidence you need to gather, and a first-draft representment calibrated to the specific code.
Takes your evidence (screenshots, logs, tracking, customer comms) and produces a structured rebuttal in the format acquirers actually read. Handles Visa, Mastercard, and Amex response conventions.
Takes your evidence (screenshots, logs, tracking, customer comms) and produces a structured rebuttal in the format acquirers actually read. Handles Visa, Mastercard, and Amex response conventions.
Give it your PSP, transaction volume, and current fraud rate. Outputs a targeted 3DS rotation — by BIN, amount threshold, and geography — designed to minimise approval-rate loss while catching real fraud.
Give it your PSP, transaction volume, and current fraud rate. Outputs a targeted 3DS rotation — by BIN, amount threshold, and geography — designed to minimise approval-rate loss while catching real fraud.
Describe your current setup (Stripe, Adyen, Checkout, Braintree, etc.). Returns a side-by-side on fees, reserves, chargeback tooling, and regional coverage. No affiliate bias — it just reads the docs.
Describe your current setup (Stripe, Adyen, Checkout, Braintree, etc.). Returns a side-by-side on fees, reserves, chargeback tooling, and regional coverage. No affiliate bias — it just reads the docs.
Paste your Kount, Stripe Radar, or Signifyd rule set. Returns an honest review: what's dead weight, what's blocking legitimate revenue, what's missing, and the order to fix it.
Paste your Kount, Stripe Radar, or Signifyd rule set. Returns an honest review: what's dead weight, what's blocking legitimate revenue, what's missing, and the order to fix it.
Describe your checkout flow. Returns the fraud-signal gaps that invite disputes — missing CVV/AVS enforcement, absent velocity checks, weak 3DS trigger points, and device fingerprinting blind spots. Focused on what opens you to chargebacks, not conversion metrics.
Describe your checkout flow. Returns the fraud-signal gaps that invite disputes — missing CVV/AVS enforcement, absent velocity checks, weak 3DS trigger points, and device fingerprinting blind spots. Focused on what opens you to chargebacks, not conversion metrics.
Handles reason codes 4837 and 4855 — the two codes that account for the majority of dispute volume. Cross-references order history, delivery proof, and customer behaviour to flag repeat offenders, build the strongest evidence chain, and produce a rebuttal that survives second chargeback.
Handles reason codes 4837 and 4855 — the two codes that account for the majority of dispute volume. Cross-references order history, delivery proof, and customer behaviour to flag repeat offenders, build the strongest evidence chain, and produce a rebuttal that survives second chargeback.
Paste your refund policy. Returns the clauses that invite disputes, the language regulators flag, and a rewritten version that reduces 'not as described' chargebacks without tanking your return rate.
Paste your refund policy. Returns the clauses that invite disputes, the language regulators flag, and a rewritten version that reduces 'not as described' chargebacks without tanking your return rate.
For Verifi/Ethoca alert subscribers. Takes the alert payload, decides refund-now vs. fight, and writes the internal ticket. 10-minute decisions become 30 seconds.
For Verifi/Ethoca alert subscribers. Takes the alert payload, decides refund-now vs. fight, and writes the internal ticket. 10-minute decisions become 30 seconds.
Paste your refund policy and subscription terms. Checks them against the specific Visa and Mastercard clauses that generate the most disputes — unclear cancellation terms, missing delivery windows, buried no-refund language. Returns the exact fixes, not a compliance lecture.
Paste your refund policy and subscription terms. Checks them against the specific Visa and Mastercard clauses that generate the most disputes — unclear cancellation terms, missing delivery windows, buried no-refund language. Returns the exact fixes, not a compliance lecture.
When an issuer rejects your representment and files pre-arbitration, you have one window left — and losing costs €500 in network fees alone. Takes your original rebuttal, the issuer's rejection, and any new evidence. Returns a pre-arb response or a clear call to absorb.
When an issuer rejects your representment and files pre-arbitration, you have one window left — and losing costs €500 in network fees alone. Takes your original rebuttal, the issuer's rejection, and any new evidence. Returns a pre-arb response or a clear call to absorb.
Paste your dispute and transaction counts by month. Returns your current ratio, your distance from Visa VAMP (0.9% dispute / 0.3% TC40) and Mastercard MDMP thresholds, and the exact dispute volume you need to eliminate — before your acquirer puts you on a watch list.
Paste your dispute and transaction counts by month. Returns your current ratio, your distance from Visa VAMP (0.9% dispute / 0.3% TC40) and Mastercard MDMP thresholds, and the exact dispute volume you need to eliminate — before your acquirer puts you on a watch list.
Billing descriptors customers don't recognise generate more 'I don't know this charge' disputes than any other single factor. Paste your current descriptor, merchant name, and product type. Returns optimised alternatives ranked by recognition likelihood and network compliance.
Billing descriptors customers don't recognise generate more 'I don't know this charge' disputes than any other single factor. Paste your current descriptor, merchant name, and product type. Returns optimised alternatives ranked by recognition likelihood and network compliance.
Amex routes most disputes through an inquiry (RFI) before a formal chargeback — a separate, faster window most merchants miss entirely. Takes the inquiry code and order details. Returns the correct response format, the evidence Amex reads at inquiry stage, and the deadline you cannot miss.
Amex routes most disputes through an inquiry (RFI) before a formal chargeback — a separate, faster window most merchants miss entirely. Takes the inquiry code and order details. Returns the correct response format, the evidence Amex reads at inquiry stage, and the deadline you cannot miss.
Most disputes could be stopped before they're filed. Takes your post-purchase email sequence — order confirmation, shipping notification, delivery, subscription renewal. Returns the specific gaps that cause 'I never received this' and 'I didn't authorise this' disputes, and the exact copy fixes.
Most disputes could be stopped before they're filed. Takes your post-purchase email sequence — order confirmation, shipping notification, delivery, subscription renewal. Returns the specific gaps that cause 'I never received this' and 'I didn't authorise this' disputes, and the exact copy fixes.
Free trial abuse, failed cancellations, and renewal disputes follow their own evidence rules — Visa 13.6, Mastercard 4841, Amex C28. Takes your subscription event log, cancellation policy, and the dispute code. Returns a timeline reconstruction and the evidence chain that wins — or calls the loss early.
Free trial abuse, failed cancellations, and renewal disputes follow their own evidence rules — Visa 13.6, Mastercard 4841, Amex C28. Takes your subscription event log, cancellation policy, and the dispute code. Returns a timeline reconstruction and the evidence chain that wins — or calls the loss early.
Run your first chargeback dispute analysis in under two minutes. Works in Claude Code or Claude Projects — no integration, no API key beyond Claude, no accounts beyond what you already have.
Pick your path
CLI · full file access · subagent mode
Browser · claude.ai · zero setup
The agent returns a structured analysis: reason code in plain language, a WINNABLE / BORDERLINE / UNWINNABLE verdict, evidence required in priority order, and a first-draft representment letter.
Every agent ships with example inputs, annotated outputs, and notes on where its confidence drops — so you know when to push back before filing.
Solo merchants managing chargebacks without a team, and in-house payment operators who know the difference between a representment and a refund.
Archetype A
You run Shopify, WooCommerce, or a custom stack. Chargebacks are rare but painful when they hit.
Archetype A
You run Shopify, WooCommerce, or a custom stack. Chargebacks are rare but painful when they hit.
Archetype B
You work in payments at a mid-size e-commerce company. You know what a representment is.
Archetype B
You work in payments at a mid-size e-commerce company. You know what a representment is.
Payment ops teams and solo merchants running chargeback dispute management with Dispute Ops.
“Wins on 4837 went from around 20% to 68% in six weeks. The evidence chain the Friendly Fraud Defender outputs is exactly what our acquirer needed to see.”
“We were at 0.94% ratio — two months from a VDMP notice. The Ratio Monitor told us exactly which dispute types to stop contesting. Got to 0.71% in 90 days.”
“The Amex Inquiry Responder paid for itself on the first ticket. I had no idea Amex's RFI window was separate. I'd been ignoring those notices for two years.”
Early access users · results will vary
€49 one-time for full chargeback dispute management coverage — reason codes, deadlines, representment, and ratio monitoring. Every future edition included.
Complete toolkit for payment ops professionals. Instant download, lifetime updates.
Billed Monthly
Not Chargeflow. Not Chargebacks911. Those charge 25–40% of every recovery, forever. This is €49 once — you keep 100% of every dispute you win.
One page. Every network deadline, triage rules, and top reason codes — verified April 2026. Including the Visa 9-day change most merchants still don't know about.
Missing a deadline is an automatic loss. This card goes on your desk.
Every agent ships as a plain markdown prompt. Drop it into Claude Code's .claude/agents/ for the full subagent experience, or paste it into a Claude Project on claude.ai for instant use in the browser. No accounts beyond Claude, no dependencies, no telemetry.
Each agent ships with example inputs, expected outputs, and annotations showing where its limitations kick in. You'll know when to trust the output and when to push back.
The pack also includes a 28-page annotated field manual — evidence requirements by reason code, network rule summaries for Visa, Mastercard, Amex, and Discover, and a working glossary. Designed to be read once and referenced for years.
Updates ship every time Claude evolves or card scheme rules change. Buyers get every future edition free.
.claude/agents/ folder into your project root. Each agent is a single markdown file — no install, no config.Made in Bucharest · Updated regularly · hello@dispute-ops.com
About chargeback dispute management, the Visa 9-day deadline, Chargeflow alternatives, and how these agents fit your existing workflow.
We checked before writing a single line. There are no public dispute prompts with reason code tables, network deadlines, CE 3.0 eligibility logic, or VAMP threshold calculations. Generic AI produces prose letters with no codes, no deadlines, and no evidence hierarchy. That's what we verified, and that's what this replaces.
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This is the manual those threads wish they had.
instant download · lifetime updates · 30-day refund