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AI agent for fraud analysts

Chargeback and Dispute Fraud Review Agent

Decide fast which chargebacks to contest and file complete, rule-compliant evidence.

DecisionsRisk managementFinance
See how it worksGet access
Chargeback and Dispute Fraud Review Agent: what goes in, what the agent does and what you get

What it does

A chargeback can be real fraud, an honest mistake or a customer who got the product and disputes it anyway, and sorting them takes hours of searching across systems. This agent reads each chargeback and gathers the order, device, IP address, delivery proof and customer history. It scores how likely the dispute is friendly fraud, for example when the same device and address bought before without issue. For those it drafts the evidence package with timeline and proofs, then checks it against the card network's rules for required fields and deadlines. If something is missing, it searches again before giving up. The analyst approves every submission.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedNo 1 STARTS WHEN Chargeback notice arrives 2 USES A TOOL Pull order, payment, device, IP and delivery data 3 USES A TOOL Pull the customer's earlier orders and disputes 4 DOES Score likelihood of friendly fraud and note thesignals 5 DOES Choose whether to contest or accept 6 DOES Draft the evidence package with timeline 7 CHECKS THE RESULT Does the package meet the network rules and thedeadline? If not: search for missing proof such as signatures orlogs and rebuild. Back to step 6. 8 DOES Check the amount and reason code against the record 9 YOU APPROVE Analyst approves submission or acceptance 10 RESULT Filed response and a case log
Read the steps as a list
  1. Chargeback notice arrives
  2. Pull order, payment, device, IP and delivery data
  3. Pull the customer's earlier orders and disputes
  4. Score likelihood of friendly fraud and note the signals
  5. Choose whether to contest or accept
  6. Draft the evidence package with timeline
  7. Does the package meet the network rules and the deadline?If not: search for missing proof such as signatures or logs and rebuild. Back to step 6.
  8. Check the amount and reason code against the record
  9. Analyst approves submission or acceptanceThe agent waits here for your OK.
  10. Filed response and a case log

How it decides

It contests when the evidence of delivery and prior good history is strong, and recommends accepting the loss when the evidence points to genuine fraud.

  • Recommend contesting when delivery is confirmed and the device matches earlier orders
  • Recommend accepting when the card was used from a new device and a new address
  • Skip contesting if the cost to respond exceeds the amount
  • Prioritize cases with 3 days or less to the deadline

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Cost threshold for contesting (default $25)
  • Signals and weights
  • Deadline alert days (default 3)
  • Reason code templates

What keeps you in control

It always asks you first

  • Analyst approves each submission
  • Analyst approves accepting a chargeback

Hard limits

  • Never submits a response itself
  • Does not label a customer as a fraudster in writing

It stops when

  • Done: response submitted or accepted by the analyst
  • Stop: deadline passes without the needed evidence

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA $389 chargeback claimed the item was not received. The agent found carrier proof of delivery to the same address as three prior orders, with the same device. It scored friendly fraud as high and drafted the evidence. The check found the signature image was missing. It retrieved it from the carrier, rebuilt, and the analyst submitted it two days before the deadline.

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