Product

/ The RecoverIQ platform

The dispute engine
that never sleeps.

Four modules working as one: detect fraud before it ships, stop disputes before they land, fight the ones that do, and recover every dollar you’re owed.

Start free trial

Book a demo

Modules work as one engine

Live case · updated 3s ago

Case DSP-2481

Visa 10.4 · Card-absent fraud

Won

Recovered

+$1,240.00

Win odds

92%

Received

00:00

Scored

00:00.4

Filed

02:14

Won

Day 9

Receipt

Delivery

Device

Chat log

Detect

/ 100 risk

Prevent

Dispute avoided

Visa RDR · auto-refund $312

Fight

Rebuttal drafted for 10.4

12 exhibits attached

Filed with Stripe

Recover

74.8%

Win rate · +6.2 pts

Modules work as one engine

Live case · updated 3s ago

Case DSP-2481

Visa 10.4 · Card-absent fraud

Won

Recovered

+$1,240.00

Win odds

92%

Received

00:00

Scored

00:00.4

Filed

02:14

Won

Day 9

Receipt

Delivery

Device

Chat log

Detect

/ 100 risk

Prevent

Dispute avoided

Visa RDR · auto-refund $312

Fight

Rebuttal drafted for 10.4

12 exhibits attached

Filed with Stripe

Recover

74.8%

Win rate · +6.2 pts

Modules work as one engine

Live case · updated 3s ago

Case DSP-2481

Visa 10.4 · Card-absent fraud

Won

Recovered

+$1,240.00

Win odds

92%

Received

00:00

Scored

00:00.4

Filed

02:14

Won

Day 9

Receipt

Delivery

Device

Chat log

Detect

/ 100 risk

Prevent

Dispute avoided

Visa RDR · auto-refund $312

Fight

Rebuttal drafted for 10.4

12 exhibits attached

Filed with Stripe

Recover

74.8%

Win rate · +6.2 pts

/ Modules

Four modules. One engine.

Detect

Prevent

Fight

Recover

Detect

Stop fraud

before it ships.

Every order is scored against 400+ signals in under half a second. Risky ones are held, good customers sail through.

Device, IP and behavioural fingerprinting

Custom rules on top of the model

Approve, review or block automatically

0.42s

to score an order

-62%

fraud chargebacks

Detect

Stop fraud

before it ships.

Every order is scored against 400+ signals in under half a second. Risky ones are held, good customers sail through.

Device, IP and behavioural fingerprinting

Custom rules on top of the model

Approve, review or block automatically

0.42s

to score an order

-62%

fraud chargebacks

Order #48213

$1,240.00 · Visa •• 7710

Approved

Risk score · low

Top signals

412 checked

Device match

Known device

IP distance

4 km from billing

Order velocity

1 in 24 hrs

Email age

6 years

BIN country

US = US

Order #48213

$1,240.00 · Visa •• 7710

Approved

Risk score · low

Top signals

412 checked

Device match

Known device

IP distance

4 km from billing

Order velocity

1 in 24 hrs

Email age

6 years

BIN country

US = US

Prevent

Kill disputes

before they land.

Issuer alerts reach us before a chargeback is filed. RecoverIQ refunds or resolves the order automatically, so it never counts against your ratio.

Visa RDR, Ethoca and Verifi CDRN built in

Your own refund rules and limits

Zero ratio impact for resolved alerts

38%

of disputes stopped early

0.18%

avg. merchant ratio

Prevent

Kill disputes

before they land.

Issuer alerts reach us before a chargeback is filed. RecoverIQ refunds or resolves the order automatically, so it never counts against your ratio.

Visa RDR, Ethoca and Verifi CDRN built in

Your own refund rules and limits

Zero ratio impact for resolved alerts

38%

of disputes stopped early

0.18%

avg. merchant ratio

00:00 · Issuer

Alert received

Visa RDR flags order #48190 for $312.

00:03 · Rule

Auto-refund

Under $500 and not shipped: refund now.

00:04 · Result

Dispute avoided

No chargeback, no fee, ratio untouched.

Connected networks

Visa RDR

Ethoca

Verifi CDRN

Mastercard

Disputes avoided this month

214 · $48,930 kept

00:00 · Issuer

Alert received

Visa RDR flags order #48190 for $312.

00:03 · Rule

Auto-refund

Under $500 and not shipped: refund now.

00:04 · Result

Dispute avoided

No chargeback, no fee, ratio untouched.

Connected networks

Visa RDR

Ethoca

Verifi CDRN

Mastercard

Disputes avoided this month

214 · $48,930 kept

00:00 · Issuer

Alert received

Visa RDR flags order #48190 for $312.

00:03 · Rule

Auto-refund

Under $500 and not shipped: refund now.

00:04 · Result

Dispute avoided

No chargeback, no fee, ratio untouched.

Connected networks

Visa RDR

Ethoca

Verifi CDRN

Mastercard

Disputes avoided this month

214 · $48,930 kept

Prevent

Kill disputes

before they land.

Issuer alerts reach us before a chargeback is filed. RecoverIQ refunds or resolves the order automatically, so it never counts against your ratio.

Visa RDR, Ethoca and Verifi CDRN built in

Your own refund rules and limits

Zero ratio impact for resolved alerts

38%

of disputes stopped early

0.18%

avg. merchant ratio

Fight

Win the ones

that land.

RecoverIQ pulls the evidence, writes a rebuttal for the exact reason code and files it with your processor, usually within minutes.

Rebuttals tuned for every reason code

Evidence pulled from your whole stack

Analyst review before anything is filed

2m 14s

average time to file

4×

more disputes won

Fight

Win the ones

that land.

RecoverIQ pulls the evidence, writes a rebuttal for the exact reason code and files it with your processor, usually within minutes.

Rebuttals tuned for every reason code

Evidence pulled from your whole stack

Analyst review before anything is filed

2m 14s

average time to file

4×

more disputes won

Rebuttal letter

AI draft · 98%

To: Visa via Stripe · Re: DSP-2481 · Reason 10.4

The cardholder’s fraud claim is contradicted by the evidence below. The order was placed from a device used on six prior undisputed purchases [Exhibit A], the billing address passed AVS with a full match [Exhibit B], and the parcel was signed for at that address on 14 October [Exhibit C].

412 words · 12 exhibits

Compliance check passed

Exhibits

Exhibit A

p.1

Device history

Exhibit B

p.2

AVS result

Exhibit C

p.3

Delivery proof

Exhibit D

p.4

Order receipt

Rebuttal letter

AI draft · 98%

To: Visa via Stripe · Re: DSP-2481 · Reason 10.4

412 words · 12 exhibits

Compliance check passed

Exhibits

Exhibit A

p.1

Device history

Exhibit B

p.2

AVS result

Exhibit C

p.3

Delivery proof

Exhibit D

p.4

Order receipt

Recover

See every dollar

come back.

Track recovered revenue, win rates and payouts by processor, reason code and product line. Export straight to your finance stack.

Win rate by reason code and processor

Payouts reconciled automatically

Exports to NetSuite, Xero and CSV

$159K

recovered in 90 days

74.8%

average win rate

Recover

See every dollar

come back.

Track recovered revenue, win rates and payouts by processor, reason code and product line. Export straight to your finance stack.

Win rate by reason code and processor

Payouts reconciled automatically

Exports to NetSuite, Xero and CSV

$159K

recovered in 90 days

74.8%

average win rate

Recovered

$159,279

↑ 212%

Win rate

74.8%

+6.2 pts

Avg. payout

9 days

↓ 3 days

Win rate by reason code

Last 90 days

10.4

Card-absent fraud

82%

13.1

Not received

77%

4837

No authorization

71%

4853

Not as described

64%

13.3

Not as described

58%

Recovered

$159,279

↑ 212%

Win rate

74.8%

+6.2 pts

Avg. payout

9 days

↓ 3 days

Win rate by reason code

Last 90 days

10.4

Card-absent fraud

82%

13.1

Not received

77%

4837

No authorization

71%

4853

Not as described

64%

13.3

Not as described

58%

Recover

See every dollar

come back.

Track recovered revenue, win rates and payouts by processor, reason code and product line. Export straight to your finance stack.

Win rate by reason code and processor

Payouts reconciled automatically

Exports to NetSuite, Xero and CSV

$159K

recovered in 90 days

74.8%

average win rate

/ Under the hood

Enterprise-grade, out of the box.

Built for scale from day one: a fast model, a clean API, and the security reviews your finance team will ask for.

GET /v1/disputes

Webhook

Node

Copy

curl api.recoveriq.com/v1/disputes/dsp_2481 \

-H “Authorization: Bearer sk_live_••••”

{

“id”: “dsp_2481”,

“status”: “won”,

“reason_code”: “10.4”,

“amount”: 124000,

“win_probability”: 0.92,

“evidence”: [“device_history”, “avs”, “delivery”],

“filed_at”: “2026-10-28T09:14:02Z”

}

curl api.recoveriq.com/v1/disputes/dsp_2481 \

-H “Authorization: Bearer sk_live_••••”

{

“id”: “dsp_2481”,

“status”: “won”,

“reason_code”: “10.4”,

“amount”: 124000,

“win_probability”: 0.92,

“evidence”: [“device_history”, “avs”, “delivery”],

“filed_at”: “2026-10-28T09:14:02Z”

}

Scoring latency

p95

0.42s

Uptime

Operational

99.99%

Last 12 months · multi-region, active-active

400+ fraud signals

Device, network, behaviour and history, updated in real time.

Device

Velocity

Webhooks & API

Every event streamed to your stack, with a REST API for everything else.

dispute.created

dispute.won

alert.resolved

SOC 2 & PCI DSS L1

Audited yearly. Card data is tokenised and never stored on our side.

SOC 2

PCI L1

GDPR

Roles & SSO

Granular roles for finance, ops and agencies, with SSO and audit logs.

Roles & SSO

Granular roles for finance, ops and agencies, with SSO and audit logs.

/ Compare

Why teams switch to RecoverIQ.

How RecoverIQ stacks up against doing it in-house or with a typical chargeback tool.

Capability

In-house team

Typical tool

RecoverIQ

Best

Time to file a dispute

Days

Hours

2 minutes

Evidence gathering

Manual

Templates

Automatic, 12+ sources

Fraud prevention

Basic rules

AI scoring, 400+ signals

Pre-dispute alerts

Paid add-on

Included

Average win rate

~30%

~45%

74.8%

Human expert review

Pricing

Salaries

% of every dispute

From $49 / month

New: RecoverIQ Alerts stop disputes before they happen
New: RecoverIQ Alerts stop disputes before they happen
New: RecoverIQ Alerts stop disputes before they happen
New: RecoverIQ Alerts stop disputes before they happen

RecoverIQ

Book a demo

RecoverIQ

Live in 10 minutes

Stop losing revenue.
Start recovering it.

Join 15,000+ merchants who let RecoverIQ fight their disputes, block fraud and win back revenue on autopilot.

Get started free

Schedule a demo

14-day free trial

No card required

Cancel anytime

The dispute enginethat never sleeps.

Four modules. One engine.

Stop fraud

Stop fraud

Kill disputes

Kill disputes

Kill disputes

Win the ones

Win the ones

See every dollar

See every dollar

See every dollar

Enterprise-grade, out of the box.

400+ fraud signals

Webhooks & API

SOC 2 & PCI DSS L1

Roles & SSO

Roles & SSO

Why teams switch to RecoverIQ.

Stop losing revenue.Start recovering it.

The dispute engine
that never sleeps.

Stop losing revenue.
Start recovering it.