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Manual Chargeback Outsourcing |
| Automates dispute building and tailors each response |
- ✅ Uses AI and dynamic arguments to generate unique tailored responses within seconds, allowing you to re-allocate resources to other critical aspects of your business.
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- ❌ Outsources dispute resolution using generic templates, often to an off-shore team. Could still require oversight and involvement from your side during surges.
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| Reduces risks of human error |
- ✅ AI engine learns and understands the best arguments to present, per reason code, payment-service-provider (PSP), issuer, card scheme, data available, and more, which allows for the delivery of consistent, tailored, high quality evidence with no human error.
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- ❌ Manually builds evidence, leaving room for mistakes, missed cases, and weak or inaccurate evidence.
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| Handles volume surges without sacrificing quality |
- ✅ Scales to handle 100% of chargebacks without sacrificing evidence quality even amidst peak seasons.
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- ❌ Requires increased effort from both the merchant and provider when chargeback volumes surge. Both may not have these resources, which can lead to lower quality evidence or missed cases.
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| Ongoing optimization for increased win rate |
- ✅ Machine learning with ongoing performance optimization and testing, including weak spot detection and A/B testing to improve these weak spots.
- ✅ In-house domain experts who continuously align the core solution with the latest card scheme rules and regulations, guaranteeing compliance for all evidence created across all merchants (rather than ad-hoc updates to a specific template or merchant).
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- ❌ No learning process from case results in order to improve evidence quality over time.
- ❌ Relies on manually updating each template with new rules to keep up with industry changes.
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| Bespoke evidence tailored per merchant per case |
- ✅ Builds evidence using dynamic arguments, which are chosen and designed for specific issuers, card schemes, reason codes, and much more.
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- ❌ Uses pre-defined templates for evidence building, sacrificing the quality of evidence for convenience.
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| Clear visibility on chargeback performance |
- ✅ Provides accurate, detailed, and user-friendly chargeback reports, along with future win rate predictions, insights into key factors impacting win rates, additional data to enhance future outcomes, and more.
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- ❌ High-level reporting dashboard with minimal insights to chargeback performance.
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