Visa's chargeback limit dropped to 1.5%.Check your number, free
disputeless.

Your chargebacks have a pattern

Most merchants watch a number go up and refund their way through it. Disputeless shows which offer, billing cycle and account each dispute comes from, so you fix the cause once and keep that revenue every cycle after.

How alerts work

Free forever

Included for every merchant. No upgrade, no add-on.

All your accounts

Every network and every MID in one view, with no duplicates.

We report our misses

You see what we didn't catch each month, and why.

No lock-in

Read-only access. Disconnect in one click.

billing cycles

Find the cycle that breaks

Most subscription businesses have one billing cycle that causes far more chargebacks than the rest. This shows you which one.

Disputes by billing cyclelast 90 daysVisaMastercard
1.50%
1.00%
3.31%
0.80%
0.60%
Trial → 1st
186 of 12,400
2nd rebill
98 of 9,800
3rd rebill
268 of 8,100
4th rebill
55 of 6,900
5th+
91 of 15,200
Your intro price ends after the 2nd rebill. That is where customers dispute.
merchant accounts

See which account is in trouble

Every MID scored against Visa's thresholds and your acquirer's stricter limits, updated daily.

MID performancelast 30 days
GatewayAcquirerHealthVisaMastercardOverallVolume
Meridian – fernforage.comMeridian PayCritical1.82%3551.61%2101.74%$1.1M
NovaPay – brightleaf.coNovaPay · AtlasCritical1.55%1611.71%1171.61%$572K
Keystone – trailkit.shopKeystone · CB1At-Risk0.94%90.86%60.89%$61.5K
Harborline – sundial.storeHarborlineHealthy0.31%60.28%40.30%$129.1K
Overall = disputes ÷ settled transactions. Critical above Visa's 1.5%, at-risk above your acquirer's 0.5%.
decisions

Refund the right ones

A customer worth $560 and someone on their third dispute should not get the same answer.

Alert · Ethoca · $40.00demo
Subscriber value$560 lifetime
Dispute historyFirst dispute
Billing cycle3rd rebill · risky
Cost to refund$40 of $560
Refund & keep the subscriber · +$487 expected
We check the customer first
What they're worth, their history, and which billing cycle it came from.
Your rules handle the easy ones
Set them once. Close calls wait for you.
We tell you when to fight
With the evidence attached, ready for your processor.
Auto-refund everythingWith Disputeless
Subscriber, 14 months
$560 lifetime
Ethoca · $40
Refunded
customer gone
New customer, 3rd dispute
$19 lifetime
RDR · $19
Refunded
rebills continue
after the refund

Stop the next one too

Refunding once should end it, not start a monthly habit.

Rebill guard. Cancels the rest.

Refund a dispute and we cancel the rebills behind it. The same customer doesn't come back next month.

Rebill schedule · sub_8841demo
Jun
Jul
Aug
Sep
Oct
Five rebills scheduled.

Coverage report. Misses included.

Every month we show you what we caught, what we missed, and why we missed it.

Coverage report · Marchdemo
89%of disputes caught at the alert stage
4 missedissuer outside the alert networks
2 missedalert arrived after the chargeback
Misses are reported, not hidden.

The report lands Monday

A short email with what was caught, what it cost, which cycle is still breaking and which MID needs attention. You don’t have to go looking.

Reads from your stack
StripeRecurlyShopifyChargebeePayPalBraintreeand 18 more
Your week in disputes
Disputeless · Monday, 9:00
demo
41disputes caught before they became chargebacks
$727 in alert fees$1,025 in chargeback fees avoided
6 duplicates waived
$90 you were not charged
3rd rebill still breaking
268 disputes in 90 days
Meridian at 1.74%
above Visa's line, needs a plan
Nothing to log into. It arrives.
Free. Forever.

You pay for alerts. Knowing whether they worked costs nothing.

See pricing

Questions, answered

What it is, why it's free, and what it tells you.

Want a walkthrough? Book a call

It's the part that decides what to do with a dispute and tells you where it came from. It weighs what the customer is worth, their history and the billing cycle, then recommends refunding, fighting, or refunding while keeping the subscription.

See the full refund-fight-or-keep framework

Start with the free part

Connect your stack and see where your chargebacks come from. Add alerts when you're ready.