⚠ For Every Business That Accepts Card Payments

You Already Earned That Money.
Stop Letting Disputes
Take It Back.

Most merchants lose disputes not because they were wrong, but because they submitted the wrong evidence, missed a deadline, or did not know what the bank needed to see. MrsDispute fixes that in under 10 minutes per case.

Works for digital goods, physical goods, subscriptions, and services across PayPal, Stripe, Visa, Mastercard, and Amex.
30+ min
Average time per dispute
handled manually
Under 10 min
Time per case
with MrsDispute
92.7%
Win rate on
PayPal Claims
75%
Of chargebacks are
friendly fraud you can fight
$41.7B
Lost to chargebacks
globally by 2028
🔒Zero data storage
🚫Never used for AI training
🗑️Deleted after analysis
🔐Encrypted in transit
A single $100 dispute does not cost you $100. After the chargeback fee, the lost product or service already delivered, and the staff time spent — you are losing $180 to $400 on a single case. Multiply that by every dispute you lose in a year.
Why Merchants Lose
The Dispute Process Is
Designed Against You

Banks process thousands of disputes every day. An adjudicator spends under 2 minutes on your case. If your evidence does not immediately make the case, you lose regardless of who was right.

🎯
Wrong Evidence for the Reason Code
A "subscription canceled" dispute needs completely different proof than an "unauthorized charge." Submit the wrong documents and it does not matter how right you are — the bank closes the case against you.
⏱
Missed Deadlines Mean Automatic Loss
Visa gives you 30 days. Mastercard gives you 45. American Express gives you just 20 days. Miss the window by a single day and you lose automatically — no matter how strong your case is.
📋
You Do Not Know What the Bank Wants
Adjudicators read only the first 300 characters of your response. They want facts, not explanations. Most merchants write long paragraphs of context that never get read — and then wonder why they lost.
🔁
Friendly Fraud Is Getting Worse Every Year
75% of chargebacks are friendly fraud — customers who received what they paid for and still dispute the charge. Without the right digital proof of access or delivery, you have almost no case even when you are completely right.
⚖️
Every Card Network Has Different Rules
Visa, Mastercard, and Amex each require different evidence, use different reason codes, and have different response windows. What wins a PayPal claim will not win a Stripe chargeback. Knowing the difference is what separates wins from losses.
🕐
Your Team Wastes Hours They Do Not Have
Gathering screenshots, writing responses, formatting evidence, tracking deadlines — on top of running your business. Most teams spend 30 or more minutes per case, or give up and accept the loss as a cost of doing business.
What One Lost Dispute
Actually Costs You

Most merchants only see the first number. Here is what a single $200 lost dispute really costs when you add everything up.

Revenue lost on the disputed transactionMoney you already earned and cannot recover
$200
Chargeback fee from your payment processorCharged regardless of outcome. Non-refundable if you lose.
$25
Cost of product or service already deliveredYou delivered it. You cannot get it back.
$80
Staff time spent handling the dispute manually30 or more minutes per case at your team's hourly cost
$15
Total true cost of one lost $200 dispute
$320

Now count how many disputes your team loses every month. That is the revenue MrsDispute helps you keep.

If You Keep Losing
Too Many Losses Can
Shut Your Business Down

This is not a scare tactic. This is exactly how card network monitoring programs work. Most merchants do not find out they are in danger until it is too late to recover.

01
Your dispute rate crosses 0.9% on Visa or 1% on Mastercard
Card networks track your monthly dispute rate automatically. Cross the threshold and you are enrolled in a monitoring program immediately.
→
02
Monthly fines are added on top of your existing fees
Fines of $50 to $200 per dispute begin immediately and stack on top of the chargeback fees you are already paying. Every month you stay in the program, the cost compounds.
→
03
Your acquirer puts your account on notice
Your bank or payment processor is required to take action. They may freeze funds, raise your reserve requirements, or begin termination proceedings against your account.
→
04
Merchant account closed. Business cannot accept cards.
Your account is terminated and your business name is placed on the MATCH list. Getting a new merchant account becomes nearly impossible for years.
⚠️
The MATCH list is permanent. Once you are on it, most acquiring banks and payment processors will refuse to work with you. Your only option becomes high-risk processing, which comes with significantly higher fees and stricter terms. Fighting and winning disputes before your ratio climbs is the only protection.
The Efficiency Difference
Your Team Gets 3 Hours Back
Every Single Day

A dispute processor handling 20 cases per day manually spends over 10 hours on those cases. With MrsDispute, the same 20 cases take under 3 hours. That is not just time saved — that is salary recovered and capacity freed.

Without MrsDispute
30+
Minutes Per Case
✗
Manually searching for the right evidence
✗
Guessing what the bank or PayPal wants to see
✗
Writing and rewriting the response from scratch
✗
No certainty on win probability before submitting
✗
Manually tracking deadlines across multiple platforms
✗
High error rate. Submissions rejected for missing evidence.
vs
With MrsDispute
Under 10
Minutes Per Case
✓
AI tells you exactly which evidence to submit
✓
Win probability calculated before you submit anything
✓
Draft response generated and ready to copy
✓
Missing evidence identified so you can strengthen your case
✓
Card network rules applied automatically per case
✓
Your team focuses on higher-value work instead
7+ hrs
Saved per dispute processor
per day (20 cases)
3x
More cases your team
can handle in the same time
$100+
Daily salary recovered per
processor through efficiency
What You Get
Every Case Analyzed.
Every Win Possible.

MrsDispute does not just draft a response. It reads your evidence, identifies what is missing, scores your chances, and tells you exactly what to do next.

⚖️
Real Win Probability Score
Before you submit anything, MrsDispute calculates your actual chances of winning based on your evidence, case type, and card network rules. No more guessing. You know where you stand before the clock runs out.
🔍
Missing Evidence Detection
MrsDispute reads your uploaded evidence and tells you exactly what is still missing to build the strongest possible case. Submit complete, not partial. Banks reject incomplete submissions without telling you why.
📎
Image and Screenshot Analysis
Upload your evidence screenshots directly. MrsDispute reads and analyzes them the same way a human reviewer would — then tells you what they prove and what they do not. Your evidence assessed in seconds, not hours.
✍️
Ready-to-Submit Draft Response
MrsDispute generates a formatted, factual response built around what banks actually read and respond to. No templates. No guesswork. A response built for your specific case, reason code, and platform.
🏦
Card Network Rules Applied Automatically
Visa CE 3.0, Mastercard reason codes, Amex 20-day deadlines — MrsDispute knows the rules for every network and applies them to every case. No manual research required. The right strategy is built in from the start.
🛡️
Protect Your Merchant Account
Winning more disputes keeps your chargeback ratio low and your account out of monitoring programs. Protect your ability to accept payments. That is worth more than any individual dispute you recover.
How It Works
Four Steps to a
Stronger Case

From the moment you open MrsDispute to a ready-to-submit response — under 10 minutes.

01
📋
Tell Us About the Case
Platform, case type, dispute category, amount, and what the customer wrote in their claim. Takes about 2 minutes.
02
📎
Upload Your Evidence
Drag and drop your screenshots, emails, logs, and receipts. We analyze them immediately and delete them right after. Nothing is stored.
03
⚖️
Get Your Full Assessment
Win probability score, a breakdown of what your evidence proves, and a clear list of what is still missing to strengthen your case.
04
✍️
Submit and Win
Copy your ready-to-submit draft response, add any missing evidence, and submit with confidence. Your team moves on to the next case.
Evidence Intelligence
Different Business Type.
Different Evidence Required.

MrsDispute knows exactly what evidence wins for your specific business type and flags precisely what you are missing. Digital goods and physical goods are completely different cases.

Digital Goods: Key Evidence
Login activity logs with timestamps showing account access
Session data or Mixpanel logs showing active product use
IP address and device ID at time of purchase and first login
Autorenewal terms accepted at signup with date confirmation
Download or access confirmation linked to the account
Order confirmation email delivered to the customer
Physical Goods: Key Evidence
Carrier tracking number with confirmed delivery status
AVS-verified shipping address matching billing address
Signature upon receipt for high-value items
Photographs of item condition and packaging before shipment
Customs documentation for international shipments
Communication history with the customer regarding the order
Card Network Intelligence
Visa, Mastercard, and Amex
Each Have Different Rules

MrsDispute knows the specific evidence requirements and response deadlines for each network. The wrong approach for the wrong network loses the case automatically.

Visa
Compelling Evidence 3.0
Visa CE 3.0 applies to reason code 10.4 fraud disputes. To qualify, you need two prior undisputed transactions matching the same device ID and IP address as the disputed charge. MrsDispute checks if your case qualifies and tells you exactly what data to retrieve.
Mastercard
Reason Code-Specific Evidence
Mastercard requires evidence tailored directly to the chargeback reason code. Merchants have 45 days to respond at each stage. MrsDispute identifies the right evidence for your specific reason code and flags anything missing before you submit.
Amex
20-Day Response Window
American Express acts as both the card network and the issuing bank, giving it far more transaction data than Visa or Mastercard reviewers. Merchants have only 20 days to respond. Miss that deadline and the chargeback stands — automatically and permanently.
Historical Win Rates
Know Your Odds
Before You Submit

MrsDispute calculates your win probability based on real dispute outcomes. These are the baseline rates by case type — with the right evidence, your chances improve significantly.

92.7%
PayPal Claims
With strong digital evidence
83.8%
Unauthorized Claims
With login and IP proof
86.0%
PayPal Disputes
With usage evidence
21.2%
Stripe Chargebacks
Industry average — harder to win
Stop Giving Away
Revenue You Earned.

3 free cases. No credit card required. See exactly how MrsDispute transforms your dispute process before you commit to a plan.

After your trial: plans from $49 per month or $5 per case. Cancel anytime.