AI for payment risk
The MID freezes.
Then what?
I map each dispute to the exact evidence package it needs and show MID-level exposure before the blended spreadsheet hides the problem.
Frozen MID
The acquirer freezes the MID without warning.
Threshold pressure
The risk ratio is approaching the line, and chargebacks need suppression fast.
Evidence drag
Compiling compelling evidence takes the team too long per dispute.
Blended reporting
One product line can take down the whole MID while the spreadsheet averages it away.
What I build
Reason codes to evidence, line by line.
Your payments lead still owns risk and compliance decisions. My system does the mapping: reason code, transaction history, product terms, prior activity, return policy, fulfillment proof, and the missing evidence before the response window closes.
Load the disputes
I ingest the dispute export, transaction data, product data, and policy documents you already use.
Map the reason code
Each dispute gets tied to its evidentiary requirement instead of a generic template.
Assemble the package
The system pulls the required proof and marks what is missing before submission.
Separate the MIDs
Exposure gets shown by MID and product line so one risk pocket does not disappear inside an average.
Evidence sharp tip
The representment package gets built from the reason code.
Secondary pass: MID-level exposure monitoring so the riskiest product line is visible before it contaminates the whole account.
Receipts
Exact standards. Exact evidence.
Deterministic extraction - not a chatbot, not OCR guessing.
100% statute recall on a validated benchmark.
The same precision that pulls exact clauses from legal filings maps exact evidentiary standards to exact dispute reason codes.
The Diagnostic
How much revenue did you lose last month to disputes you couldn't build evidence for in time?
Fixed-scope Diagnostic. In 14 days I map the dispute workflow, reason-code paths, evidence sources, and where MID-level monitoring should become a fixed system.
I do not promise approvals, prevent MID termination, give financial advice, or touch funds. A human still reviews the risk decision. My system flags and extracts so the human is faster and misses less.
Start with the Diagnostic.
$950, fixed. Send what you already have — the messy spreadsheets are the data — and get back the one gap producing your thirty symptoms. 2–4 business days. Credited toward the first build if we continue. Yours either way.