Three Layers of Automated Protection
From pre-dispute signals to reviewed evidence submission — ChargePilot handles the whole dispute lifecycle for you.
Signal Intelligence
Every dispute and fraud signal is analyzed with multi-signal fraud analysis — combining card, device, and behavioral signals such as:
Prevention — Stripe EFW & Pre-Dispute Alerts
When Stripe's Early Fraud Warning system flags a transaction (typically because the card has been reported stolen by the issuing bank), ChargePilot automatically refunds the customer before the chargeback is filed.
$19 per confirmed prevention for Visa EFW refunds and Visa RDR alerts; $29 for all other schemes and Ethoca (Mastercard) alerts — charged only when a chargeback is actually prevented, never for merely receiving an alert. If prevention fails or doesn't fire, no charge.
Note: EFW catches the fraud-card category; Ethoca & Visa RDR alerts catch cardholder-initiated disputes before they become chargebacks. Other chargeback types are handled through our representment engine after they hit.
Stripe EFW Detection
ChargePilot listens to Stripe's Early Fraud Warning webhooks. When the issuer reports a card as stolen on a transaction, we surface the signal immediately so the merchant doesn't take the dispute hit.
Ethoca & Visa RDR Alerts
When a cardholder disputes a charge with their bank, the card networks alert us before it becomes a chargeback. Under rules you control, the dispute is resolved — $19 per prevented chargeback via Visa RDR, $29 via Ethoca (Mastercard).
Pay Only When It Works
On EFW signals, ChargePilot refunds the customer through the Stripe API before the chargeback timer starts. Fees are charged per confirmed prevention — only after the refund succeeds and the dispute is averted. Failed prevention attempts and alerts that don't prevent anything cost you nothing.
Recovery
When disputes arrive, AI drafts the response. Custom evidence, smart decisions — every response reviewed before it's submitted.
AI-Drafted Evidence
Bespoke rebuttal narratives, not templates
Visa CE 3.0 Evidence
Built for qualifying fraud & unrecognized disputes
Smart ROI Assessment
Only fights disputes where the math makes sense
Reviewed Submission
Every response reviewed and approved before it's submitted to Stripe
PDF Evidence Packages
Professional documents ready for card networks
Deadline-Aware Timing
Deadline monitoring with internal escalation as your processor's deadline approaches
Sentinel AI
AI-POWEREDKnow Your Disputes
Built-in AI assistant that knows your dispute history and patterns.
Natural Language
Ask questions about your chargebacks in plain English and get instant answers.
Recommendations
Get AI-powered insights and actionable recommendations to reduce future disputes.
Why did dispute dp_3Q8xK2 fail?
The dispute lacked 3D Secure authentication. I recommend enabling 3DS for transactions over $200.
Can you draft evidence for my latest dispute?
Done — I've drafted a custom evidence packet for your latest dispute. It's ready for your review before submission.
Command Center Dashboard
Win Rate
73%
Revenue Saved
$12,847
Active Disputes
4
Prevented
23
Win rates & recovery trends
Prevention stats & savings
Dispute timeline with signals
Revenue saved tracking
Example merchant view — illustrative only. Not based on a specific account.
Install Free from Stripe Marketplace
Setup takes under 2 minutes. Pay only for results — recovered disputes and confirmed preventions.