Built Specifically for SMB Merchants
Chargeback? We Have Your Back.
Enterprise-grade dispute automation at a price that makes sense. One simple monthly fee — no per-dispute charges, no hidden costs, no surprises.
Why Refutio
Built for businesses like yours
Most chargeback tools are built for enterprise — expensive, complex, and loaded with per-dispute fees. Refutio is different.
One simple fee
No per-dispute charges. No success fees. No hidden costs. Just one predictable monthly or annual price — so you know exactly what you're paying.
Made for SMBs
Whether you're doing $10K or $10M in monthly revenue, Refutio gives you the same AI-powered defense that enterprise merchants get — without the enterprise price tag.
You stay in control
We automate evidence collection and AI rebuttal generation, but you always get the final say before anything is submitted. Your business, your call.
The chargeback crisis
Chargebacks are crushing online merchants
The numbers speak for themselves. And the problem is getting worse every year.
$125B+
Lost to chargebacks globally each year
Mastercard & Visa network reports
2-4 hrs
Average time to fight a single dispute manually
Merchant Risk Council
~20%
Typical merchant win rate without expert help
Chargebacks911 industry benchmark
$3.75
True cost for every $1 in chargebacks (fees, lost goods, penalties)
LexisNexis True Cost of Fraud study
1.5%
Visa's VAMP fraud threshold — exceed it and risk account termination
Visa Acquirer Monitoring Program, April 2026
86%
Of chargebacks are friendly fraud — the customer received the product
Chargebacks911 research
Now, let us handle it.
See the difference for yourself.
Read the dispute email
Log into payment processor
Research the reason code
Find the order & shipping info
Dig through email history
Write the rebuttal letter
Format for bank requirements
Submit evidence to processor
You stay in control
Tired of companies submitting without your approval?
You have the final say in every decision here. We collect the evidence, generate the rebuttal, and prepare the submission — but nothing goes to the bank until you review it and click submit. Your business, your call.
Review every rebuttal
Read, edit, and approve the AI-generated letter before it goes anywhere.
Choose which disputes to fight
Accept or fight each chargeback based on our win probability analysis.
One-click submit on your terms
Evidence and rebuttal are submitted only when you decide you are ready.
See your savings
How much are chargebacks costing you?
Drag the sliders to see how much revenue you could recover.
$1,500
vs. fighting disputes manually (20% → 70% win rate)
50h
Time saved / month
$2,500
Labor cost saved
Built on trust
Your data is safe. Your disputes are in good hands.
AI rebuttal generation time
Reason codes covered across Visa, MC, Amex
Payment processors supported
Per-dispute fees — always
Bank-grade security
End-to-end encryption. SOC 2 compliant infrastructure. Your data never touches our servers unencrypted.
Card network compliant
Every rebuttal follows Visa, Mastercard, and Amex dispute guidelines. Written to meet bank standards.
Dedicated support
Real humans available when you need them. We're merchants too — we understand the stakes.
Works with the processors you already use