Market
Chargebacks and ACH returns are growing in volume and cost.
How we're different
- Multi-merchant visibility and rollups.
- Policy enforcement at scale.
- Cross-rail normalization (card + ACH + recon).
Trust rule: AI drafts, humans approve sensitive actions.
Deadline
->
Escalation
->
Action
02:14:00
Chargebacks forecast
261M in 2025 -> 324M by 2028.
Chargeback value
$33.79B in 2025 -> $41.69B by 2028.
ACH scale
33.6B payments in 2024 totaling $86.2T.
Sources
https://chargebacks911.com/report/
https://www.nacha.org/ach-network-statistics
https://www.nacha.org/content/same-day-ach
https://www.nacha.org/system/files/2022-12/UnauthorizedReturnRate%20Resource%20Guide%202023.pdf
https://docs.stripe.com/disputes
https://docs.stripe.com/api/disputes
https://support.stripe.com/questions/evidence-requirements-for-disputes
https://usa.visa.com/support/consumer/chargeback-process.html
https://usa.visa.com/solutions/merchant-solutions/chargeback-management.html
https://www.ethoca.com/products/alerts
https://fintechmagazine.com/news/how-is-us-35m-of-chargeflow-funding-automating-chargebacks
https://www.calcalistech.com/ctechnews/article/bkqv0tbhjl