How it works
Evidence, automatically
Evidence is collected from your existing compliance stack and submitted within network windows.
Alert ingestion
Dispute signals from Visa, Mastercard, and your acquirer hit frameOS in real time, routed, classified, and queued automatically.
Evidence assembly
KYC records, IP geolocation, device fingerprints, session history, and transaction metadata are pulled and structured per reason code.
Response generation
A calibrated response is built, not a template. Arguments map to the specific dispute type, network, and merchant vertical.
Submission & tracking
Filed before the deadline. Outcomes feed back into evidence weighting. Every case has a full audit trail.
Dispute prevention
Frame enrolls merchants in every major dispute prevention network on day one. The window between a dispute and a filed chargeback is where the fight is won.
Chargeback prevention alerts
Stop chargebacks the moment a customer disputes, before fees, before ratio damage, before the headache.
Automatic refund & subscription controls
Set rules by amount, descriptor, issuer, timeframe, product, or customer.
Risk & chargeback intelligence
Track your chargeback rate in real time. Stay ahead of Visa and Mastercard thresholds.
Without Frame
With Frame
Evidence engine
Frame already handles your KYC, geolocation, transaction monitoring, and session tracking. Your dispute evidence is richer than anything a standalone chargeback tool can produce and it's there from day one, with no extra setup.
Identity
Verified KYC
Verified identity becomes the evidence. Name, address, and biometrics tied to the card, present in every chargeback response. Hard to dispute a charge when the packet proves it.
session tracking
Sonar fingerprinting
Sonar sessions tie disputes to known, returning users. IP, fingerprint, behavioral patterns, and session history all present in the packet. Hard to claim fraud when the data shows the same device, same network, same user.
Visa CE 3.0
Compelling evidence 3.0
Every 10.4 (fraud) dispute is auto-evaluated for CE 3.0 eligibility. Prior transaction records, device fingerprint, IP, and geolocation. Matching historical footprint across prior transactions shifts the burden of proof.
transactions
Payment metadata
AVS, CVV, cardholder name, and BIN-level insights collected at authorization, inserted automatically into the evidence packet. Every dispute arrives pre-loaded with proof the card, name, and address all checked out.
Start building
Dispute management is built into frameOS. No separate vendor, no extra integration. If you're already processing with Frame, evidence collection is already running.