About
We started Disputeur because chargebacks were eating the margins of every merchant we knew.
Disputeur is built by ex-payments operators and merchant-side risk leads. We’ve all run dispute teams. We’ve all watched “protection” products take 25% of recoveries and call it a discount. We thought there was a better way.
01
The problem
Card networks built alert programs years ago. Most merchants still aren’t plugged into them. The ones who are usually pay processors who skim a percentage of every recovery and tie themselves to a single network. Meanwhile, friendly fraud has gone from a back-office annoyance to a P&L item that boards ask about.
02
What we build
A neutral, network-agnostic protection layer. We connect to every major alert program, run a transparent rules engine on top, and charge per alert — not per recovery. The economics are auditable. If we don’t save you more than we cost, you won’t renew.
03
How we operate
Engineering and operations under one roof. Our analysts sit with our engineers; the rules engine evolves from real reason-code patterns. We publish reason-code win rates to customers, including the ones we lose.
Our values
Four things we always optimize for
When we make a tradeoff inside Disputeur, we go back to these. They’re shorthand for the company we’re trying to build.
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Honest economics
Per-alert pricing. No recovery cuts. Full reason-code reporting, including losses.
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Operator-first
We worked merchant-side. Our defaults are what we wished we had.
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Network-neutral
We integrate with every alert program we can. Best evidence, regardless of source.
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Compounding wins
The rules get better with every dispute. Your win rate next quarter beats this one.
Headquarters
Where we are
Headquartered in Tallinn, Estonia. Operations and analyst pods in Tallinn, Lisbon, and Austin.
Disputeur OÜ · Narva mnt 7 — 634, Kesklinna linnaosa, 10117 Tallinn, Estonia