Why delegate
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.
The service
The work behind it
Case investigation
Our experts know every reason code inside out, along with the strategies that work best in your sector. From there, they work out what happened in each transaction, what data proves it and which argument stands the best chance of convincing the issuing bank.
Evidence
Pulled from wherever it lives, checked, and assembled into something a reviewer can follow without hunting for it.
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.
Followed through every cycle
Pre-arbitration, arbitration,... Cases go as far as they are worth taking, not as far as the first reply.
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
Deadlines
Not one missed deadline
Since we started
0
deadlines missed
Monitored SLAs on
100%
of your cases
Expiry alerts on
every
deadline
Transparency
You can always see what we do
Every defence we prepare is there for you to see, with the evidence we used and the argument we made. You also get a monthly report by email, so you stay up to date even if you never log in to Kloutit.
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.
Getting started
How you work
You tell us how your operation works, what worries you and how you want cases handled.
Your context
You share business context, like purchase flow or terms. The more we know, the better.
Connections
You give us access and we connect your PSPs and any other tool where your data lives.
Start date
We agree the day we take over, and from then on we handle every new case that comes in.
FAQs
How much does it cost?
There is no fixed fee, only 30% of each chargeback we recover. For high volumes, pricing is tailored to you.
Do we pay Kloutit for cases that are lost?
No, we charge nothing for them. Losing a chargeback already costs you the amount and often the product or service too, so we only take a share of what we recover, which gives us every reason to want each case won as much as you do.
What does our team need to do once Kloutit takes over?
Almost never anything, because we handle the whole process. If a case comes up that falls outside the usual, we check with you rather than guess.
Do you fight every chargeback?
We can fight all of them, and capacity is never a limit. But the amount, the reason code, the evidence available and what your PSP charges for a lost dispute all affect whether a case is worth fighting. That is why we agree the approach with you at the start and apply it from there.
Do we have to hand over the cases that are already open?
No, we agree a start date with you, usually once your PSP is connected, and from that day we handle every new case. Leaving earlier cases where they are keeps your reporting clean and makes your results easy to compare.
How complex can our operation be?
We are used to operations with several teams involved, several PSPs, data spread across different places, several entities and several currencies. We adapt to how you work today, without you having to change anything before we start.
Which chargebacks does it cover?
Those from every card scheme, at every stage, from the first chargeback through to arbitration.
Is there a minimum term?
No, you can cancel whenever you like, and if you leave, you take your full case history and every defence with you.
Can we move to Recovery Self-managed later?
Yes, whenever you want. It is the same product and the only thing that changes is who handles the day-to-day, so your case history and defences stay exactly where they are.
Would you rather handle chargebacks with your own team?