Why delegate

Chargebacks are not your core business

Chargebacks are not your core business

Most teams handling disputes never chose to. It lands with payments, or fraud, or finance, and it takes hours that belong somewhere else.

Most teams handling disputes never chose to. It lands with payments, or fraud, or finance, and it takes hours that belong somewhere else.

No specialist knowledge

Winning disputes takes fluency in scheme rules that keep changing. Most teams learn as they go, and the recovery rate shows it.

No time

Every dispute means gathering evidence, meeting a deadline and writing a response. Volume only makes it heavier.

No case for hiring

A dedicated chargeback analyst is hard to justify for something that is not your core. So it stays with whoever has capacity.

“We now have the whole chargeback function fully outsourced to Kloutit, end to end. That means we can put our resources into work that is far more strategic and actually adds value.”

Anna Castro Pallejà

Payments Manager, Stayforlong

Read the full customer story →

“We now have the whole chargeback function fully outsourced to Kloutit, end to end. That means we can put our resources into work that is far more strategic and actually adds value.”

Anna Castro Pallejà

Payments Manager, Stayforlong

Read the full customer story →

The service

Analysts, not operators

Analysts, not operators

Experienced chargeback analysts who do this every day. They know the scheme rules, the reason codes and what wins in each situation, and they apply that judgement to your operation with the full Kloutit platform behind them.

Experienced chargeback analysts who do this every day. They know the scheme rules, the reason codes and what wins in each situation, and they apply that judgement to your operation with the full Kloutit platform behind them.

The work behind it

What running your chargebacks actually involves

What running your chargebacks actually involves

The whole process sits with us, start to finish. Every outcome sharpens the strategy for the next case.

The whole process sits with us, start to finish. Every outcome sharpens the strategy for the next case.

Case timeline from order to dispute, with the delivery signed on 14 March as the key fact and the argument built on it
Case timeline from order to dispute, with the delivery signed on 14 March as the key fact and the argument built on it

Case investigation

What the reason code really means, what happened in that transaction, and which line of argument stands the best chance.

Evidence gathered from every source: your shop, the warehouse, the support inbox, your terms and the carrier's signed proof of delivery
Evidence gathered from every source: your shop, the warehouse, the support inbox, your terms and the carrier's signed proof of delivery

Evidence

Pulled from wherever it lives, checked, and assembled into something a reviewer can follow without hunting for it.

Your business terms as tags, with the clause on risk passing at handover quoted inside the defence
Your business terms as tags, with the clause on risk passing at handover quoted inside the defence

Your business, in every defence

Your purchase flow, your terms, your policies. A defence that argues from how you actually sell is a defence that holds up.

Dispute stages from chargeback to pre-arbitration and arbitration, with the case escalated and the issuer's response under review
Dispute stages from chargeback to pre-arbitration and arbitration, with the case escalated and the issuer's response under review

Followed through every cycle

Pre-arbitration, arbitration,... Cases go as far as they are worth taking, not as far as the first reply.

Breakdown of your cases over the last 90 days by cause, led by unconfirmed delivery, with the recommendation to ask your carrier for signed delivery
Breakdown of your cases over the last 90 days by cause, led by unconfirmed delivery, with the recommendation to ask your carrier for signed delivery

Patterns across your cases

What keeps coming back, and where the cause sits. Fixing it upstream means fewer chargebacks rather than more wins.

Complex operations

You don't need to tidy anything up first

You don't need to tidy anything up first

Several teams touching the process, a different PSP per market, spreadsheets nobody wants to inherit, steps that only live in someone's head. We have seen all of it, and we work with it as it is.

Several teams touching the process, a different PSP per market, spreadsheets nobody wants to inherit, steps that only live in someone's head. We have seen all of it, and we work with it as it is.

Deadlines

Not one missed deadline

Since we started

0

deadlines missed

Monitored SLAs on

100%

of your cases

Expiry alerts on

every

deadline

Defence document handled for you and the monthly report sent to your inbox, with a link to open it in Kloutit

Transparency

You never need to log in. You always can.

Every defence we build is there, readable, with the evidence we used and the argument we made. Have a look whenever you feel like it. Your reporting reaches you either way, so looking is a choice and never a chore.

Getting started

We can start whenever you are ready

We can start whenever you are ready

Around two weeks from signing to the first defence, and most of that depends on your availability rather than ours.

Around two weeks from signing to the first defence, and most of that depends on your availability rather than ours.

A conversation about how you work

You walk us through your operation and tell us how you want your cases handled.

Your context, written down

Purchase flow, terms, policies. The better the context, the stronger the defences.

Connections

We connect your PSPs and wherever the rest of your data lives. You give us access.

A start date

We agree the day we take over. From then on, every new case is ours.

Security and compliance

Your data, handled properly

Independently certified, encrypted throughout, and stored inside the EU.

ISO/IEC 27001 certified

An information security management system audited by an independent body, not a self-assessment.

GDPR compliant, data in the EU

Stored in Ireland, and on request we restrict processing to the EU entirely.

Never used to train models

Your data exists to build and submit your defences. Not for marketing, not for analysis, not for sale.

Encrypted and accountable

AES-256 at rest, TLS in transit, and immutable records of every access to your data.

FAQs

Good to know

Good to know

Anything that is not here, just ask. We would hate for you to leave with a question unanswered, however small.

Anything that is not here, just ask. We would hate for you to leave with a question unanswered, however small.

Do we have to hand over our open cases?

What do we have to do once you take over?

Do you fight every chargeback?

How complex can our operation be?

Which cycles and card schemes do you cover?

Are we tied into a contract?

Can we move to Self-managed later?

How do you charge?

Would you rather run it with your own team?

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.