All automatic. You can watch every stage, and stop any of them.
The clock on a chargeback starts without you. A processor webhook fires the moment one is filed, and Recoup opens the case immediately with the order, the customer, the reason code and the response deadline already attached.
Nothing here is invented. Every element is pulled from a source that already exists — your store, your carrier, your processor, your inbox — so the packet is made of facts a reviewer can verify.
A representment is not a data dump. The same order can need a completely different argument depending on what the cardholder actually claimed, and the packet is built around that claim.
Evidence that is written but not filed is worth nothing, and evidence filed in a broken state is worse than none. Both are verified against the processor's own copy rather than our logs.
We cannot prevent every chargeback. Prevention depends on an alert arriving in time — most do, but a cardholder who goes straight to a chargeback without querying the charge first never generates one. Those we fight instead.
We only refund within your rules. Automatic refunding is off until you switch it on, you set the ceiling above which we always ask, and anything that matches two orders equally well comes to you. We never write to your catalogue.
We do not invent evidence. If your store cannot prove something, the letter does not claim it. A representment built on an assertion the record contradicts is worse than a weak one — issuers read the whole file.
We cannot win every dispute. Some claims are simply correct, and some arrive with nothing to argue from. Those cost you nothing, because we only charge on a win.
Install, and the next chargeback is answered automatically. Nothing is charged unless it is won.