With the continued growth of e-commerce, chargebacks have become a strategic challenge for many businesses. As card networks evolve their regulatory frameworks and fraud patterns become increasingly sophisticated, merchants need more than manual processes and static rules to stay ahead. They need technology that learns, adapts, and strengthens every part of the dispute lifecycle.
At Chargeback Gurus (CBG), we have spent years building a foundation of intelligent technology, designed not just to respond to disputes, but to strategically manage and reduce them. The result is an advanced, AI-powered layer that works behind the scenes to streamline workflows, improve win rates, and reduce fees associated with poor dispute handling.
Effective dispute resolution depends on presenting the right information in the right way, at the right time. But with evolving rules from Visa, Mastercard, and other networks, and growing scrutiny from processors like Stripe, it is no longer enough to rely on static templates.
What sets CBG apart is a platform that analyzes every stage of the dispute process - from the moment a transaction is flagged to the final resolution. This includes evaluating the probability of a successful response, identifying high-risk cases that may escalate to arbitration, and automatically assembling packages tailored to card network requirements.
At the core of this capability is our Custom Dispute Framework, a flexible, intelligent system that automatically builds the most effective response strategy for each case.
Even in complex or ambiguous cases, it ensures the response is precise, compliant, high-impact and dynamic. Our proprietary AI-driven intelligence has been honed through years of recovery experience, powering predictive decision-making.
Every innovation on our platform is designed around a singular goal: ensuring a fair outcome for all stakeholders involved while maximizing revenue recovery for our clients.
Whether you are a fast-growing e-commerce merchant or an established global retailer, our technology adapts to your company’s scale and operational preferences. A unique advantage of our technology is that it can operate in both fully automated and semi-automated scenarios while incorporating human intelligence for more effective decision-making.
What makes this system particularly powerful is its feedback loop. Every case outcome feeds directly back into the platform, refining its future predictions and recommendations. This ensures the system continuously learns and adapts.
Our technology is designed to serve customers of all sizes, enabling CBG to effectively engage with both small and medium-sized businesses as well as enterprise clients. This flexibility allows us to apply insights and best practices gained from one segment to enhance our approach across the board.
Our platform is calibrated to suit businesses of all sizes. Whether you’re managing thousands of chargebacks a day or just a handful, the strategies adapt to volume, merchant category, and business model. And because the system continuously learns, the recommendations it delivers only get better with time.
By integrating human knowledge with evolving technology, CBG offers merchants a more effective, more predictable way to manage chargebacks.
Our tech is built not just to respond, but to anticipate. And that’s what positions CBG as a category pioneer—not just managing disputes, but mastering them.
Chargebacks come with layered costs such as lost revenue, administrative fees, and increasingly, pre-arbitration penalties. Our platform is built to help merchants avoid these unnecessary expenses while maximizing recovery.
Across the industry, there is a growing tendency to lean heavily on automation, often at the expense of accuracy. While automation is critical for scale, the importance of human expertise should never be underestimated. The real power lies in a strategic blend of the two.
This combination of mind and machine ensures that each case is approached strategically. Whether it’s prioritizing winnable cases or ensuring document quality and clarity, our platform augments the decision-making process.
At CBG, we don’t see this as a binary choice between AI and subject matter experts. We believe in enabling experts with smart, strategic tools. Our decisioning framework is designed to augment, not override, expert judgement.
As the payments ecosystem evolves, so must the way merchants manage risk and recovery. Chargebacks will always be a reality, but with the right technology and strategies, they don’t have to be a liability.
At Chargeback Gurus, we’ve reimagined dispute management from the ground up, creating a system that blends advanced AI intelligence, human-centric design, and industry-leading expertise. It is not about choosing automation vs. analysts, it is about using each to their greatest advantage.
The future of dispute resolution isn’t reactive; it is strategic, adaptive, and intelligent. That is what we are building every day.
Damo Sampathkumar is the Chief Product Officer at Chargeback Gurus, and is responsible for product strategy, platform development, and leading technology innovation for the next generation in payments technology with a specific focus on chargebacks and risk mitigation. He specializes in cloud-native mission-critical payment systems creation, group-up technology platform setup and operations. He strongly believes that the secret sauce of a successfully product is the interlock between the client, market, sales, technology, and product management.