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Product
Refunds in chatVerify the customer, find the payment, resolve it.Disputes & fraud warningsPrevent chargebacks, respond to disputes on time.Refund policy & simulatorClear rules, tested before you publish.Safety & auditWhy the AI can never move money.Payment analyticsApprovals, declines and alerts at a glance.TicketsYour team’s queue after the automation.CasesEvery request with its decision, step by step.
Solutions
Subscription softwareCancellations and forgotten renewals.Online storesDouble charges, deliveries, chargebacks.Digital goods & gamesFraud warnings and refund abuse.Online educationGuarantee refunds, by chat or email.Travel & bookingsLarge amounts, decided by people.Several countriesSeveral accounts, several currencies.Payment providersStripe, PayPal, Paddle, Adyen and more.Your own payment systemOne open contract over REST or MCP.Helpdesk teamsZendesk, webhook intake and email.
Developers
The Chargeless APIWebhooksAPI referenceYour own billing systemEvidence serviceprovidercheck
Resources
How it worksFrom customer request to resolution.IntegrationsProviders, channels and helpdesks.SecurityHow money and data are protected.FAQAnswers to the common questions.
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Use cases

Small payments, fraud warnings by the dozen.

A game studio sells credits on the web. Stolen cards arrive as early fraud warnings.

Request early accessUse cases: Overview

Fraud warnings refunded in minutes

When a payment is flagged as fraud, your policy can refund it before it turns into a chargeback, its fee and a mark on your ratio.

  • Automatic under your limit
  • Before the chargeback
  • Recorded as a case
  • Refunded early58%
  • Evidence filed30%
  • With your team12%
!

Early fraud warning

€84.00 · Mastercard

Refunded
§

Chargeback · product not received

Due in 6 days

Evidence filed
Illustrative example, not real data

Limits that stop abuse

A third refund this week for the same player goes to your team. Limits per customer and per workspace, a circuit breaker and a kill switch always apply.

  • Tuned by policy, never off
  • Circuit breaker on spikes
  • One switch stops everything

Safety limits

Emergency stop

Stops every money action in the workspace

Locked

Refund frequency per customer

3 refunds in 30 days

Locked

Refund volume per workspace

€2,000 per hour

Locked

Circuit breaker

Opens on an unusual refund rate

Locked
Illustrative example, not real data

Know before the card networks do

Payment analytics shows declines by country, issuer and BIN, and how close you are to Visa and Mastercard monitoring thresholds.

  • Visa VAMP, Mastercard ECM
  • Alerts when a rate moves
  • Never feeds a decision
Card network programmes: Visa VAMP and Mastercard ECM for a Stripe connection, each with the month-to-date ratio, the line, the alert level and a Chargeless estimate label.
Illustrative example, not real data

More in Use cases

Start with low limits. Raise them when the record shows it works.

Start in test mode, run your policy against your own history, and go live when the results meet your standards.

Request early accessHow it works
  1. 1A test workspace on your provider’s test mode
  2. 2Your past requests replayed against your policy
  3. 3Live with low limits, raised as the record allows