Responsible buyer
Operations, finance, compliance, and program owners accountable for Chargeback Representment & Dispute Recovery.
Review desk · signal room
ChargebackRepresentmentSignal
Run Chargeback Representment & Dispute Recovery through a visible, review-led operating system.
Card disputes have become a structural tax on online commerce.
chargebackrepresentmentdisputerecovery
Who this is for
A precise operating owner, not a generic audience.
Cost of the gap
Card disputes have become a structural tax on online commerce.
Outcome
11 The outcome we sell A done-for-you guarantee that every winnable dispute is fought with the right reason-code-specific evidence and filed before the network deadline, recovered revenue is returned to the merchant, and the merchant's fraud-plus-dispute ratio is monitored and managed to stay under Visa VAMP and equivalent Mastercard programs — delivered as a managed service with a dispute analyst as the named owner, not a dashboard the merchant operates.
Decision rule
Proceed only when the source record, service boundary, responsible reviewer, and release criteria can be named before work begins.
Method
The work moves through visible states.
- Scope14 AI-vs-human operations pipeline AI Ingest dispute + reason code + deadline from PSP webhook RULE Start deadline clock; classify reason code; apply do-not-fight rules AI Retrieve order/device/fulfillment/login & prior-txn evidence AI Score win probability + net-recovery ROI; check CE 3.0 eligibility AI Compose reason-code-specific rebuttal + assemble evidence packet RULE Completeness/format lint; anti-fabrication gate; CE 3.0 data-elements check ANALYST Fight/concede call + evidence honesty & sufficiency QA + sign-off OPS Submit via PSP/Order Insight; capture confirmation AI Record win/loss; update recovery register & VAMP ratio tracker ANALYST Monthly recovery + ratio review; flag VAMP-breach risk & prevention actions Roughly 8 of 10 steps are AI/rule/ops; the two human steps are the fight/concede judgment and the honesty/sufficiency sign-off
- Collectthe exact places where a wrong call costs money or violates network rules.
- NormalizeNormalize records and preserve file-level provenance.
- ValidateRun deterministic completeness and consistency checks.
- ResolveRoute missing, conflicting, or unsupported items to an exception queue.
- ReviewHave a qualified human review the release candidate.
- ReleaseRelease the final pack with an audit trail and correction path.
Engagement
Buy the reviewed outcome, with boundaries written down.
19 Pricing & unit economics Pricing model (outcome-based, never hourly) Core: 20–25% contingency of dollars actually recovered. Pay-for-performance — no recovery, no fee — matching the established market norm (Chargeflow 25%, Justt "pay when you win"). V Add-on: VAMP/ratio-monitoring subscription — a modest flat monthly for continuous fraud-plus-dispute ratio monitoring, breach early-warning, and prevention-alert routing (RDR/CDRN/Ethoca). Recurring base that smooths contingency lumpiness.
Release package
- 11 The outcome we sell A done-for-you guarantee that every winnable dispute is fought with the right reason-code-specific evidence and filed before the network deadline, recovered revenue is returned to the merchant, and the merchant's fraud-plus-dispute ratio is monitored and managed to stay under Visa VAMP and equivalent Mastercard programs
- delivered as a managed service with a dispute analyst as the named owner, not a dashboard the merchant operates.
- What the merchant receives Recovered funds, a monthly recovery + ratio report, deadline-safe representment on autopilot, and a "we'll tell you before you breach VAMP" early-warning.
- What AI handles Dispute intake/normalization, reason-code routing, evidence retrieval & composition, CE 3.0 qualification checks, deadline tracking, draft rebuttal generation, win/loss learning.
Proof standard
Operating evidence: No verified cycle-time result is published yet. The first result will be calculated from accepted intake through qualified-human release.
Client evidence: No client identity or case narrative is published. A reference may appear only after written permission and factual review.
Volume evidence: No completed-client count is claimed. Counts will be published only after the delivery ledger and provider records reconcile.
Evidence room
Authority comes from traceable sources, not decorative claims.
- Chargeflow — Chargeback Statistics 2026 (volume/cost projections)Source identified in the canonical blueprint; verify currency before client reliance.
- Chargeback.io — Chargeback Statistics 2026Source identified in the canonical blueprint; verify currency before client reliance.
- Chargeflow — Friendly Fraud: the $132B threatSource identified in the canonical blueprint; verify currency before client reliance.
- Chargebacks911 — Chargeback Stats 2026Source identified in the canonical blueprint; verify currency before client reliance.
- Kount — Chargeback Representment Guide (win rates & evidence)Source identified in the canonical blueprint; verify currency before client reliance.
- Market.us — Chargeback Management Market (size, CAGR, incumbents)Source identified in the canonical blueprint; verify currency before client reliance.
- Visa — Acquirer Monitoring Program (VAMP) Fact Sheet 2025 (primary)Source identified in the canonical blueprint; verify currency before client reliance.
- Merchant Risk Council — Stricter VAMP thresholds now in effectSource identified in the canonical blueprint; verify currency before client reliance.
Service boundary
Automation prepares. A qualified human releases.
ChargebackRepresentmentSignal is an operational documentation and processing service operated by Your Deputy, Obuke LLC. It is not a law firm and does not provide legal, tax, medical, financial, or other licensed professional advice. Consumer and personal debt matters are not accepted. The client retains its licensed professionals and decision authority. Automation may organize and check records, but a qualified human must review and release every client deliverable. Minimum-necessary data handling and professional review apply.
- Unsupported facts remain unresolved, never inferred into a client deliverable.
- Jurisdiction-specific or licensed questions are routed to the client's professional.
- Every correction retains the source, reviewer, version, and reason for change.
Questions
Know the limits before intake.
Is this legal or professional advice?
No. This is bounded operational documentation and processing support. Licensed judgment remains with the client and its professionals.
Does automation make the final decision?
No. It can organize records, run declared checks, and prepare an exception queue. A qualified human reviews and releases every deliverable.
Is a client portal or CRM already active?
This public site does not claim an active portal integration. Portal access is provisioned only after the relevant backend is configured and independently verified.
What happens when evidence conflicts?
The item is placed in an exception state with its sources and owner. It is not silently resolved or presented as verified.
Fit diagnostic
Send enough context to scope the next conversation—no sensitive files.
Do not submit protected health information, personal financial data, credentials, or confidential client records through this public page.