Auto dispute response
Reparpay watches every chargeback, gathers your evidence — receipts, IPs, signed deliveries, prior emails — and files a tailored response under your network's deadline. Manual queue stays empty.
Stop bleeding revenue to chargebacks, broken refunds and reconciliation that runs at 3am. Reparpay is the payment platform with dispute response, refund automation and ledger truth built into the core API.
No credit card · PCI-DSS Level 1 · SOC 2 Type II · Open in < 4 days
Reparpay watches every chargeback, gathers your evidence — receipts, IPs, signed deliveries, prior emails — and files a tailored response under your network's deadline. Manual queue stays empty.
Issue, schedule and revoke refunds programmatically — partial, prorated, credit-to-balance — across cards, wallets and bank rails. Hold accounts protect you from over-refunding.
A double-entry ledger your finance team can actually reconcile. Every transfer, fee, dispute and refund is journaled in real time and exportable as the GAAP-friendly file your auditor wants.
142 currencies, 38 acquiring partners, local cards from Tokyo to São Paulo, SEPA Instant, ACH, Pix, FedNow. Smart routing picks the rail that minimises both fee and decline.
A network-of-networks risk model trained on €240bn of pseudonymised flow. Score every transaction, every refund, every credit — and tune the thresholds in plain language, not regex.
Role-based views, four-eye approvals, audit-grade activity logs, and a search bar that finds a 0.41 € micro-payment from 2022. Your CFO will stop emailing screenshots.
A single API authorises payment, scores fraud and pre-fills the dispute file in case of a future chargeback — all under one round-trip.
POST /v1/chargesEvery captured euro lands in the ledger with a journal entry, a settlement ID and a tax breakdown — ready for the next morning's close.
Net + ledger in ≤ 8 minA dispute arrives, the response queue fires before your support team sees it. Evidence assembled, narrative written, deadline tracked.
74% recovered, on averageRefunds run against a hold balance, with policy rails that prevent the duplicate, the over-refund and the not-allowed-yet edge cases your team keeps missing.
Zero refund overruns in 2025A dispute is filed at 02:14 Tokyo time. The response queue picks it up, retrieves the original signed delivery receipt, the customer's IP at checkout, the support thread, the cancellation timestamp and the merchant's pre-written rebuttal template.
By 02:17 it is filed, signed and queued at the network, days before your deadline — and four hours before any human notices. That is the entire dispute desk on the page.
"We moved € 1.4bn of yearly volume to Reparpay and got our entire dispute team's Monday morning back. The win rate jump alone covers the contract in week two."
"The reconciliation file from Reparpay is the first one our auditor opened, used, and closed without an email. Day-7 close became day-1."
For start-ups shipping the first version of payments. Self-serve onboarding, every core API, no monthly minimum.
For finance teams that need full ledger truth, SSO and white-glove dispute coverage.
For regulated entities, PSPs and acquirers that need on-prem control, private routing and signed audit logs.
Our median customer is live in 3 to 4 working days. We provide a migration team for every Scale plan and above, ingest your historical disputes and refunds so you keep the audit trail, and run dual-routing alongside your existing PSP until you've signed off.
Win rates are published per vertical in your dashboard. We work today with SaaS, marketplaces, online travel, fintech, education and creator platforms. If we cannot beat your existing win rate within 90 days, we refund the platform fee for the period.
EU customers' data is stored in EU regions (Paris, Frankfurt and Stockholm primaries), with US customers in Virginia and Oregon. Access is logged at the row level, four-eye approvals are enforced on personal data exports, and every employee with production access has signed off on our annual privacy programme.
Yes. Reparpay runs as the orchestration and ledger layer over your existing acquirer relationships, or against ours, or both. Switching acquirers later is a configuration change, not a project.
We are not a generalist gateway. We are the platform you put in front of, around, or instead of one, when the cost of disputes, refund errors and reconciliation drift has crossed into a board-level number. Our depth is in the dispute desk, the ledger and the finance console — that's the entire product.
There's no per-dispute charge on Scale and Enterprise. On Build you pay €4 per response filed. Recovered funds are paid back to you in full — Reparpay never takes a cut of recovered chargebacks.
Book a 30-minute walkthrough with the team that built Reparpay. We'll model your last quarter against our dispute and refund engines, and send the numbers within a working day.