AI Agents
Discovery Express

Customer ops

Dispute Resolution Agent

Assembles the chargeback file with every piece of evidence before the deadline runs out.

Reference architectureReviewed September 3, 2026
Internal apps · Dispute Resolution
Demo data

  1. Processor

    Chargeback, reason code 13.1, service not provided. Deadline in 6 days.

  2. Agent

    Defensible. There is a signed delivery, two support messages from the cardholder after that date and the terms in force that day. File assembled in the network format.

  3. File ready with 9 pieces of evidence · network checklist complete · nothing filed, nothing sent to the cardholder

  4. Handoff to a person

    The disputes team files it. On the next case the agent said the evidence did not hold and recommended not defending.

Internal appsCard processorPayment gatewaysYour ERP
KPI it moves
70 to 85% of files filed on timeTypical target
Channels
Internal appsEmailSlack / Teams
Integrates
  • Card processor
  • Payment gateways
  • Your ERP
  • Zendesk
  • Shared folders / API
A boutique owner reading a chargeback letter beside the card terminal
Customer ops

What it does

Every chargeback file complete before the deadline.

Where it lives

Your cloud, your repo, your IP.

1. Receives 2. Looks up 3. Decides 4. Acts 5. Escalates

Systems it integrates

  • Card processor
  • Payment gateways
  • Your ERP
  • Zendesk
  • Shared folders / API

Dispute Resolution Agent

03Decides

Channels

  • Internal apps
  • Email
  • Slack / Teams

A person on your team

01

Receives

Takes the dispute from the processor with its reason code and its deadline.

02

Looks up

Gathers the order, the delivery proof, the conversation history and the terms in force that day.

03

Decides

Judges whether the case is defensible and says so, instead of filing everything by reflex.

04

Acts

Assembles the file in the format the network requires and leaves it ready for a person to file.

05

Escalates

Flags fraud patterns and repeat disputants to risk before the deadline clock matters.

KPI it moves

Typical targets, no result yet.

The first KPI measured in a client pilot is what promotes the label.

Proof Ledger
Typical targets

Typical target

70 to 85%

Disputes answered before the deadline

Typical target for a reference architecture, not a result. DaCodes, Sep 2026

TargetNo result yet

Typical target

Under 20 minutes

Time to assemble a file

Typical target for a reference architecture, not a result. DaCodes, Sep 2026

TargetNo result yet

Typical target

95% or more

Files complete against the network checklist

Typical target for a reference architecture, not a result. DaCodes, Sep 2026

TargetNo result yet
Reviewed September 3, 2026

How it is governed

Every action has an owner, an eval and a limit.

Set in the Blueprint, enforced by the Govern layer of the platform.

Govern · Approval queue
Demo data

Waiting for a person

Chargeback 88-2041 · response ready · a person files it

Reason code 13.1 · deadline in 4 days

Weekly eval

Passing

File completeness against the network checklist

97.3%

Last 8 runs
94.2% → 97.3%

Evidence accuracy audited monthly

Limit, enforced

Filing left to the disputes analyst

Human approvals

  • Filing the response, always a person
  • Accepting a loss instead of defending it

Typical evals

  • File completeness against each network checklist
  • Win rate by reason code, quarter over quarter

Limits

  • It never files by itself and never contacts the cardholder
  • Read only on the processor and the ledger

Time to production

8 to 12 weeks

of pilot to production under a KPI Contract, after a Blueprint of 1 to 2 weeks

As a reference architecture, plan for the upper end of the pilot range: integration to your systems takes most of the time, and the first measured KPI is what promotes the label.

DaCodes delivery standard, Sep 2026. Integration is the long pole, not the model.

How we deploy
The four phases
Commitment gate

  1. 01Discovery Express

    2 sessions, no cost

  2. 02Blueprint

    1 to 2 weeks

  3. 03Pilot

    8 to 12 weeks

  4. 04Scale & Managed

    Continuous

  • Pilot, first 8 weeks
  • Up to week 12 of the pilot
  • This agent: plan for the upper end
  • Commitment gate: the KPI decides Scale

Proof and demo

What backs the label.

Proof Ledger note

Reference architecture

No result yet

No client pilot has closed with a measured KPI. The first one promotes the label.

Reviewed September 3, 2026

Where this agent sits on the maturity policy

  1. Reference architectureToday
  2. Pilot
  3. In production

The Discovery Express shows this agent on your data, live. Two sessions, no cost.

See this agent with your data

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FAQ

Direct answers.

No. It assembles the file and leaves it ready. Filing is a person's action, because a mistake there is not reversible.

No. When the evidence does not support the case it says so, with the reason. Filing weak responses costs money and hurts your ratio.

Because no client pilot has closed with a measured KPI. These are typical targets, and the first measured pilot is what promotes the label.

Which process do we automate first?

Two discovery sessions, no cost, and you leave with two or three quick wins whether or not you build with us.

We reply in under one business day.

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