How it works Results Contact → iGaming → PSPs & PayFacs → Crypto → Forex & CFD → Subscription
Dispute Operations for High-Risk PSPs & PayFacs

Your BIN Sponsor Sees Your Ratio.
So Do We.

In high-risk acquiring, your processor's risk desk moves before the scheme does. By the time you receive a formal warning, you're already in a remediation conversation — one where every week without a credible dispute operation costs leverage you don't get back.

Confidential by default 30 minutes. No deck. Specific to your BIN structure. Reply within 2 business hours

We know the difference between a Visa VAMP warning and a Mastercard ECM enrollment — and we know you don't have time to explain that to whoever you hire next.

If nothing changes

You got the letter.
Here's what the next 4 weeks look like.

Week 1
The letter arrives. A meeting happens. Nobody owns it.
Your BIN sponsor cites your ratio by merchant category. You forward it to risk and support. Someone suggests "tightening the representment process." Nobody has a clear mandate. The filing window on three open disputes expires while you're still in the meeting.
Week 2
Your ops team is now doing dispute work. Nothing else moves.
Core responsibilities stall. Your team is manually processing disputes in a format your helpdesk doesn't produce cleanly. Filing windows expire on four more disputes — those recoveries are gone permanently. The ratio doesn't move. Two merchants start escalating.
Week 3
BIN sponsor wants a remediation plan. You don't have one.
Second letter arrives. They want a written plan with timelines. You send a holding response because you're still figuring out who's doing the work. Your new GEO launch is paused. The team you were about to onboard is waiting.
Week 4
You're on a call you didn't want to be on. The word "probation" is used.
You are now the person managing this crisis — not your job. You are the person who let it get here. The acquiring relationship you've spent two years building is now a negotiation with no good outcome for you personally.
This is not a support problem. It's an operations gap with a 4-week clock on it. There's a window to fix this. It's shorter than you think.
Results

Numbers from current clients.
Names under NDA.

We don't share client names. We do share outcomes.

Forex PSP · Europe · 4,200 disputes/month
1.4%
CB ratio on arrival
→
0.6%
CB ratio at day 60
Situation: BIN sponsor on notice. In-house team handling disputes across 3 headcount, no representment workflow.
What we did: Embedded into Zendesk. Built per-MID reporting. Filed representment on backlog within 5 business days.

Under threshold by Q2. Operational inside our Zendesk in 11 days. — Head of Risk

⚡ Live in 11 days
Crypto PayFac · LATAM + EU · 8,700 disputes/month
3 wks
typical new GEO setup
→
14d
first ticket handled
Situation: New BIN launch in Brazil. Needed Spanish + Portuguese dispute coverage fast with no time for CRM migration.
What we did: Spun up multilingual team inside existing Intercom. Zero compliance disruption.

Spanish and Portuguese dispute coverage in 14 days. No CRM migration. No compliance drama. — COO

⚡ Live in 14 days
iGaming MoR · Tier-1 EU · 12,000 tickets/month
18min
avg first response
→
<2min
chat SLA by week 3
Situation: Previous team missing Visa VAMP filing windows. Heading into the monitoring programme.
What we did: Took over representment pipeline. Rebuilt evidence pack process. Filed all outstanding disputes within response windows.

Representment coverage was the first thing we fixed. Avoided the monitoring programme. — Head of Merchant Support

⚡ Live in 9 days

Seen enough? The audit is 30 minutes, no deck, and free — or we'll tell you honestly if we're not the right fit.

How Suppostat works

In-house dispute agents.
Inside your CRM. Live in 9–14 days.

We deploy our own trained agents — not freelancers, not contractors — directly into your existing Zendesk, Intercom, or Freshdesk. No migration. No ramp. We know crypto, gambling, adult, nutra, and forex dispute patterns before we touch your first ticket.

14
Days to live — typically 9–14
From signed contract to first merchant ticket handled — inside your existing CRM, with agents certified on your platform and BIN structure.
<2
Minute chat SLA
Every merchant dispute acknowledged before it escalates. Measured per merchant ID, reported to you weekly — not as aggregate stats.
300+
In-house agents
Employed, not contracted. Trained on high-risk payment flows and certified on your product. When your volume spikes — new BIN, new GEO — we absorb it without dropping SLA.
Chargeback representment & pre-arbitration
Evidence packs compiled and filed within Visa and Mastercard windows. We track VAMP and ECM thresholds proactively — not after your sponsor does.
Per-merchant-ID reporting
Weekly reports segmented by merchant ID, dispute type, escalation category. You see CB ratios per merchant before your BIN sponsor tracks them for you.
Zero CRM migration
We operate inside your existing helpdesk from day one. Your merchants and your compliance team don't notice a change — except the response times.
Confidential by default, PCI-aware
PCI-aware processes. Your merchant data stays inside your helpdesk instance — never leaves your environment. Standard procedure, not an add-on.
What you actually get

Your dispute operation,
running in 2 weeks

No ramp period. No "we'll get to that in month 3." This is what goes live in two weeks.

✓
Dedicated agents certified on your product
Two weeks of internal training on your BIN structure, merchant mix, and escalation paths before touching a single ticket.
✓
Chargeback representment pipeline
Evidence compilation, filing within scheme windows, pre-arbitration management. Visa and Mastercard procedures, not generic templates.
✓
Per-merchant-ID weekly reporting
Dispute volume, CB ratio, escalation category, response rate — by merchant ID. Not aggregate numbers you can't act on.
✓
24/7/365 coverage — including filing windows
Chargeback deadlines don't wait for Monday morning. Your dispute operation runs around the clock, consistent quality across every shift.
✓
Merchant L1/L2 — ticket offload
Settlement delays, deposit holds, KYC queries, platform issues handled end-to-end. Your ops team handles what actually needs their attention.
✓
NDA on request + PCI-aware processes
NDA signed before any data access on request. Merchant data never leaves your helpdesk environment. Compliance team gets nothing unexpected.
Who this is for

We work with PSPs who already know
what VAMP is.

We don't explain the basics. We get to work.

This is for you if
You're a PSP, PayFac, or MoR processing $5M–$200M+/month in high-risk volume
You've received or expect a BIN sponsor letter about chargeback thresholds
You're launching a new GEO or BIN and need dispute coverage in weeks, not months
You serve merchants in crypto, gambling, adult, nutra, or forex
You need per-merchant-ID reporting, not aggregate CSAT scores
You cannot afford a 90-day vendor ramp or a CRM migration
This is not for you if
You're processing under $5M/month with under 200 monthly disputes
You want a BPO that will handle any vertical without payment-specific training
You're looking for lowest-cost headcount, not operational expertise
You need to migrate to a new CRM as part of the engagement
Book the audit

Book a Free
30-Minute Dispute Ops Audit

Not a demo. Not a sales call. A structured 30-minute session where we map your chargeback exposure, review your current dispute pipeline, and give you a ratio recovery framework specific to your BIN structure and merchant mix — or we'll tell you honestly if we're not the right fit.

We'll respond within 2 business hours. NDA available before the call on request.
Your data stays confidential — we work with sensitive operations every day.

Before you ask — the answers

Do we need to sign an NDA first?
We'll send one before the call if you prefer. We work with compliance-sensitive operations every day — confidentiality is standard procedure, not a request.
Do we have to migrate our CRM?
No. We operate inside your existing Zendesk, Intercom, or Freshdesk. Your merchants don't notice a change, your compliance team doesn't have to re-approve a new system.
How are you actually live in 9–14 days?
Because we don't need to be trained on what a PSP is. Our agents know your vertical, your dispute procedures, and your CRM before they start. The 9–14 days is product certification on your specific setup — not onboarding.
Not ready to talk yet?
Get the CB Ratio Recovery Checklist
A 1-page tactical checklist: representment filing windows, pre-arbitration steps, acquirer communication protocol, and per-MID reporting structure. Built for high-risk PSPs dealing with BIN sponsor pressure.