Kloutit chargebacks dashboard listing open cases by amount, reason, processor, deadline and status, with a generated defence document in front
Kloutit chargebacks dashboard listing open cases by amount, reason, processor, deadline and status, with a generated defence document in front

Companies that already trust us

The real cost

A lost sale is the cheapest part of a chargeback

A lost sale is the cheapest part of a chargeback

Once they start piling up, it stops being a finance problem. It's your margin, your team, and your ability to keep operating normally.

Once they start piling up, it stops being a finance problem. It's your margin, your team, and your ability to keep operating normally.

Bar comparison showing that €100 in chargebacks costs €250 in total, 2.5 times more on average

Lost margin

You lose the amount, the product, the fees, the commissions, and costs you never priced in.

Example calculation: 45 minutes per dispute times 38 disputes last month equals 28 hours of your time

Operational overhead

Every dispute adds review, evidence, follow-up and manual decisions, against the deadline.

Chargeback ratio gauge with your position approaching the threshold of the card schemes' monitoring programme

Processing risk

A high ratio can mean monitoring programmes, restrictions, or a strained PSP relationship.

How we build stronger defences

The first AI model built to win chargebacks

The first AI model built to win chargebacks

Our technology does far more than write defences. It reads each case, applies the right judgment, and turns scattered information into arguments built to win.

Defence document surrounded by notes from several AI specialists: proof of delivery, scheme rules, business terms and issuer behaviour
Defence document surrounded by notes from several AI specialists: proof of delivery, scheme rules, business terms and issuer behaviour

Multi-agent system

Specialized agents each analyze the dispute from a different angle: your business, your industry, the reason code, the card network, the PSP, and the evidence available.

Tags with the business details Kloutit uses in a defence, such as refund policy, return conditions, delivery times and checkout flow
Tags with the business details Kloutit uses in a defence, such as refund policy, return conditions, delivery times and checkout flow

Context from your own business

Kloutit picks up your policies, workflows and terms, so every defence fits how you actually operate.

Ranking of the evidence that wins most often under Visa reason code 13.1, led by signed delivery and tracking to the address
Ranking of the evidence that wins most often under Visa reason code 13.1, led by signed delivery and tracking to the address

It keeps learning

Every outcome teaches the system which arguments land and which evidence carries weight.

List of recent scheme rule changes from Visa, Mastercard and Amex, marked as updated today
List of recent scheme rule changes from Visa, Mastercard and Amex, marked as updated today

Always current on the rules

Scheme, PSP and acquirer criteria shift constantly. We track them so your defences always comply.

Defence document next to its three verified evidence blocks: delivery note, tracking and the terms clause
Defence document next to its three verified evidence blocks: delivery note, tracking and the terms clause

Structured, not just written

Kloutit organises the evidence and selects the arguments that matter, so the defence is easy to review.

Smarter operations

From scattered cases to an operation you control

From scattered cases to an operation you control

As volume grows, managing chargebacks across separate PSPs, spreadsheets and inboxes stops holding up.

As volume grows, managing chargebacks across separate PSPs, spreadsheets and inboxes stops holding up.

Analytics view with amount recovered this month, win rate and recovered amount by payment processor

Your whole operation in one place

Cases, statuses, amounts, evidence and metrics in one platform built to handle chargebacks end to end.

• PSPs and banks connected • Statuses and amounts centralised • Metrics always in view

Analytics view with amount recovered this month, win rate and recovered amount by payment processor

Your whole operation in one place

Cases, statuses, amounts, evidence and metrics in one platform built to handle chargebacks end to end.

• PSPs and banks connected • Statuses and amounts centralised • Metrics always in view

Activity timeline of a case handled automatically from creation to resolution, with a single manual step: adding the parcel photo

Less manual work on every dispute

Cut the repetitive work that eats time before, during and after every defence.

• Evidence gathered automatically • Information auto-filled • Rules and submissions automated

Activity timeline of a case handled automatically from creation to resolution, with a single manual step: adding the parcel photo

Less manual work on every dispute

Cut the repetitive work that eats time before, during and after every defence.

• Evidence gathered automatically • Information auto-filled • Rules and submissions automated

In numbers

Results that go straight to your bottom line

We recover up to

5.5x

more revenue recovered

On average

95%

less manual work

Built by people with

12 years

fighting chargebacks

Ways to work with us

Two ways to run your chargebacks

Two ways to run your chargebacks

The same technology behind both. All that changes is how involved your team wants to be.

The same technology behind both. All that changes is how involved your team wants to be.

Self-managed

Our technology takes the heavy, repetitive work off your team. They spend their time where strategy and a human touch change the outcome.

Self-managed

Our technology takes the heavy, repetitive work off your team. They spend their time where strategy and a human touch change the outcome.

Outsourced

Our specialists run the whole process end to end. You never need to log in — though everything we do is there if you want to look.

Outsourced

Our specialists run the whole process end to end. You never need to log in — though everything we do is there if you want to look.

Industries

One platform that adapts to every industry

One platform that adapts to every industry

Every industry needs different data, evidence, and arguments. Kloutit adapts the experience and builds defenses with the right arguments for each type of case.

Every industry needs different data, evidence, and arguments. Kloutit adapts the experience and builds defenses with the right arguments for each type of case.

Travel

eCommerce

SaaS

Memberships

Events

Other

Travel & Hospitality

Agencies, airlines, hotels, and booking platforms

Winning a dispute isn't just about proving a booking existed. Kloutit helps prove the terms accepted, the communications sent, and the service availability — building defenses tailored to each case.

Hotel no-show dispute with the evidence Kloutit proved: non-refundable rate accepted, no cancellation on record and room held
Parcel-not-received dispute with the evidence Kloutit proved: tracking shows delivered, signed delivery note and closed returns window
Subscription renewal dispute with the evidence Kloutit proved: renewal notice sent, terms accepted at signup and service used after renewal
Membership cancellation dispute with the evidence Kloutit proved: no cancellation request, access used after the claim and auto-renewal accepted
Unused-ticket dispute with the evidence Kloutit proved: ticket scanned at the gate, no transfer or resale and event terms accepted
Service-not-provided dispute with the evidence Kloutit proved: terms accepted, service delivered and communications sent

Travel

eCommerce

SaaS

Memberships

Events

Other

Travel & Hospitality

Agencies, airlines, hotels, and booking platforms

Winning a dispute isn't just about proving a booking existed. Kloutit helps prove the terms accepted, the communications sent, and the service availability — building defenses tailored to each case.

Hotel no-show dispute with the evidence Kloutit proved: non-refundable rate accepted, no cancellation on record and room held
Parcel-not-received dispute with the evidence Kloutit proved: tracking shows delivered, signed delivery note and closed returns window
Subscription renewal dispute with the evidence Kloutit proved: renewal notice sent, terms accepted at signup and service used after renewal
Membership cancellation dispute with the evidence Kloutit proved: no cancellation request, access used after the claim and auto-renewal accepted
Unused-ticket dispute with the evidence Kloutit proved: ticket scanned at the gate, no transfer or resale and event terms accepted
Service-not-provided dispute with the evidence Kloutit proved: terms accepted, service delivered and communications sent

"From the first day, they side with the customer. They don't just offer a tool, they become a partner."

Product Lead, Playtomic

Review from G2

"From the first day, they side with the customer. They don't just offer a tool, they become a partner."

Product Lead, Playtomic

Review from G2

Integrations

Start with your PSPs, connect everything else

Start with your PSPs, connect everything else

Kloutit works with the major PSPs and acquirers, so every chargeback lands in one place from day one. From there it connects to the systems that already hold your proof – orders, deliveries, customer history – many of them with nothing to build.

Kloutit works with the major PSPs and acquirers, so every chargeback lands in one place from day one. From there it connects to the systems that already hold your proof – orders, deliveries, customer history – many of them with nothing to build.

Let's look at your chargebacks together

Tell us what is not working today, and you will leave knowing exactly what we would do to win more of them.

Let's look at your chargebacks together

Tell us what is not working today, and you will leave knowing exactly what we would do to win more of them.