Features
AI-Powered Dispute Recovery
When a chargeback lands, our AI takes over. ChargeX assembles bank-optimized evidence packages, submits representments automatically, and learns from every outcome to keep improving your win rate — without your team lifting a finger.
How Our AI Wins Disputes
ChargeX's recovery engine was trained on millions of chargeback outcomes across every major card network and issuing bank. When a dispute arrives, the AI instantly identifies the reason code, maps it to the highest-performing evidence strategy for that specific bank, and assembles a complete representment package — pulling delivery confirmations, IP logs, device fingerprints, communication history, and custom documentation — all in under four hours.
Unlike static templates, our AI adapts in real time. Every win and loss feeds back into the model, continuously refining which evidence combinations, submission formats, and rebuttal narratives yield the best outcomes for each dispute type. The more disputes we process for your account, the smarter and more precise our responses become — making ChargeX genuinely better the longer you use it.
AI Capabilities
Intelligence at Every Stage
Three core AI systems work together to maximize your recovery rate across every dispute type and card network.
Evidence Assembly
The AI automatically pulls the right evidence for each dispute — transaction logs, delivery proofs, customer communications, device data, and more. It knows exactly what each issuing bank looks for and builds the package accordingly, with zero manual data gathering required from your team.
Bank-Specific Optimization
Different issuing banks respond to different evidence formats, rebuttal structures, and submission timelines. Our AI maintains individual performance profiles for thousands of banks globally, dynamically tailoring every representment to the specific decision-making patterns of the bank reviewing your case.
Continuous Learning
Every dispute outcome — win or loss — is fed back into the model. The AI identifies which evidence types, rebuttal angles, and submission strategies drove wins for specific reason codes and banks, and automatically incorporates those learnings into future cases. Your win rate compounds over time.
By the Numbers
Results That Speak for Themselves
Win Rate
60–80% average win rate across all dispute types and card networks
Disputes Processed
Over 2 million chargebacks managed and learned from across our platform
Response Time
Evidence assembled and submitted in under 4 hours of dispute receipt
Let AI Fight Your Chargebacks
Connect your processor and let ChargeX's recovery engine start winning back your revenue — with no upfront cost and no risk.