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 — Pre-Dispute Alerts Where the Rail Supports Them, Stripe EFW on Stripe
On Stripe, 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 Verifi RDR (Visa) alert resolved, $29 per Ethoca (Mastercard) alert resolved, $19 per Stripe Radar early-fraud warning refunded before it becomes a dispute — each a flat price whatever card network the payment ran on — 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.
Where each lane runs
| Processor | Dispute responses | Ethoca (Mastercard) alerts | Verifi RDR (Visa) alerts | Stripe EFW auto-refund |
|---|---|---|---|---|
| Stripe | Yes | Yes | Yes | Yes |
| Shopify PaymentsPrevention billed through Shopify | Yes | Yes | Yes | Stripe only |
| SquareNo Visa RDR — Square is a payment facilitator, so there is no merchant BIN/CAID to enroll | Yes | Yes | Not available | Stripe only |
| Braintree | Yes | Yes | Yes | Stripe only |
| PayPalNetwork alerts are not live on PayPal — available on request for the first PayPal merchant who enrolls | Yes | On request | On request | Stripe only |
| NMINMIAPI key + webhook, five-minute setup | Yes — you upload | Yes | Yes | Stripe only |
| AdyenAdyenAPI key + webhook | Yes | Yes | Yes | Stripe only |
| CloverCloverIn reviewInstall from the Clover App Market once the listing is approved. | Yes — you upload | Yes | Yes | Stripe only |
| A.netAuthorize.netFor disputes, log or forward the acquirer's notice; ChargePilot reads the transaction from Authorize.net, builds the response, and you upload it to your acquirer's portal. | Yes — you upload | Yes | Yes | Stripe only |
| Amazon PayAmazon PayDispute responses only — prevention alerts aren't available on Amazon Pay. Amazon charges its own $20 fee per contested chargeback | Yes | Not available | Not available | Stripe only |
Every live rail connects self-serve. You upload: ChargePilot builds the complete response package; you download it and upload it to your acquirer's portal — or on the managed plan (25%) we upload it for you. Prevention fees: $29 per Ethoca alert resolved, $19 per Verifi RDR alert resolved, $19 per Stripe Radar early-fraud warning refunded — each charged per confirmed prevention only, never for merely receiving an alert.
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 queued for our team's 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 ChargePilot
Free to install. Pay only for results — recovered disputes and confirmed preventions.
