Win more disputes with less manual work
Manage chargebacks across all PSPs in one place. Centralize dispute data, automate evidence workflows, and respond faster with AI-native chargeback defense.
Chargeback management, powered by AI
Chargebacks protect consumers, but for merchants the process is a maze of manual data gathering and extensive operational effort. Payrails uses AI-assisted workflows so that teams can save time and win more disputes.
Unified data
Payrails enriches chargebacks with the transaction and order data already available in the platform. Teams can immediately see relevant payment details, customer information, and history without switching systems.
AI-assisted workflows
Reduce manual effort and win more chargebacks. Payrails handles the full process, including evidence collection, generating the defense document, customer communication, subscription actions, refunds, and other operational steps.
More wins, lower costs
Pay a flat fee for each case handled, not a percentage of what's recovered. Avoid paying additional fees for disputes you would have won independently with predictable pricing.
Defend the most important cases
Recommendation logic helps teams decide how each dispute should be handled. Payrails suggests what evidence is needed to increase win probability, so your team decides which cases should be challenged.
The operating system for profitable growth
Payrails helps businesses use payments as the foundation for more intelligent financial operations.
Turn payments into profits
Grow smarter with AI-native payment optimization. Get a walkthrough tailored to your business, markets, and stack.
Recommended reading
Got questions?
A chargeback occurs when a customer disputes a card payment through their issuing bank. The bank temporarily reverses the transaction while the merchant provides evidence to prove the charge was valid.
Chargeback management is the process of tracking disputes, collecting evidence, responding to representment requests, and monitoring dispute outcomes to recover lost revenue and reduce future disputes.
Chargebacks are difficult to manage because dispute data is often spread across PSP portals, evidence must be collected manually, and response deadlines are strict. Missing a deadline usually means the dispute is automatically lost.
Yes. Payrails Chargeback Management aggregates dispute data from multiple payment providers so teams can manage disputes across their entire payment stack.
No. Chargeback Management can connect to PSPs as data sources, allowing merchants to manage disputes across their existing payment infrastructure.
Automation can collect evidence, assign cases, track deadlines, and prepare representment files. This reduces manual work and ensures disputes are handled consistently.
Common evidence includes transaction records, delivery confirmation, customer communication, account activity logs, and proof that the cardholder authorized the transaction.
Implementation usually takes days or weeks depending on the number of PSPs connected. Teams typically integrate dispute feeds and configure workflows to match their internal processes.