New · Connect your agent to Sparsu's rules layer →
Chargeback automation for acquirers & sub-acquirers

Make chargebacks a revenue line.

Contesting every chargeback by hand stops being possible the moment your operation scales. Sparsu's AI agents read every case and file it in time. And every dollar we recover, we share with you.

Schedule a call How it works
app.sparsu.com/a/chargebacks
Chargebacks

Every dispute across your sub-acquirers — validated on arrival.

Search reference, merchant… All networks All merchants
Import
Reference Merchant Network Amount Reason State Deadline Validation Date Actions
CB-2026-83121 QuickCart Visa R$ 1,435.43 Visa 10.4Other Fraud — Card Absent Filed in 4 days Valid Jul 7
CB-2026-83118 Voa Turismo Mastercard R$ 591.44 MC 4853Goods Not as Described Filed in 4 days Valid Jul 7
CB-2026-83115 Mercado Sul Visa R$ 2,204.90 Visa 13.1Merchandise Not Received Disputed — Rejected Jul 6
CB-2026-83112 Loja Norte Mastercard R$ 318.00 MC 4837No Cardholder Authorisation Validating in 2 days — Jul 6
CB-2026-83109 FitClub BR Visa R$ 129.90 Visa 10.4Other Fraud — Card Absent Needs review Overdue Needs review Jul 5
Showing 1–6 of 3,419
50 / page 1
How Sparsu automates chargeback filing

Chargeback automation, handled by agents.

Chargebacks arrive however they arrive, our first agent parses each one into a universal case model, and from there our team of agents validate the filing, decide what's worth fighting, generate the dispute, and file it.

Intake & Parsing

Chargebacks arrive however your sources send them. One agent turns every format into one case model.

case CB-4471 queued for agents

Show the steps
email intake · acquirer CSV attached
nightly FTP batch · 1,214 rows
portal export · mixed-layout XLSX
extract fields from every source
normalize into one case model
match ARN + network case ID
case CB-4471 queued for agents

Inbound Validation

Every chargeback is validated first. If the filing was never valid, the case is won on arrival.

reviewer confirms inbound valid

Show the steps
network supported
reason code matches network
reason code recognized
reason code still active
filing-window check skipped
validation verdict: needs reviewer
adjacent codes checked: 10.1 · 10.2 · 10.3 · 10.5
recode suggestion: 10.3 · medium confidence
fail-closed guards · no SAD · closed-world rules
reviewer confirms inbound valid

Dispute Decision

Not every case is worth fighting. Fight or release is decided by expected value, per case.

decision: fight · build the dispute

Show the steps
Deadline 30d to pre-arb · 28 left
available defenses: representment · CE 3.0
merchant evidence is sufficient
case strength: high · portfolio-backed
unit economics clear the cost
low-value cases are released
decision: fight · build dispute

Dispute Generator

A cross tenant dossier builder, enriched with geographic and data bureau signals.

representment dossier built

Show the steps

Sparsu

Chargeback representment dossier

Prepared by Sparsu · operator under merchant contract

Reason Visa 10.4 · Other Fraud, Card-Absent
Situation CE 3.0 card-absent · 3 of 6 signals
Amount BRL 429,90
Card 424242 •• 4242 bin6 + last4, no PAN
Defense window 30 calendar days to pre-arb
Evidence indexed — metadata only
Device fingerprint · merchant evidence · matched
Delivery address · merchant evidence · matched
Customer login ID · merchant evidence · matched
ARN · CB-4471 · network case ID

Dispute Filing acquirers only

Every dispute is filed automatically, to each reason code's exact requirements.

representment recorded · defense filed

Show the steps
Grounds validated inbound · fight decision
Owning company Loja Aurora (merchant)
filing authority on at acquirer level
merchant submits evidence package
subacquirer forwards the dossier
acquirer armed · 24h veto window
representment recorded · defense filed
network transmission queued for V2
Chargeback rules · MCP server

The rules layer your agent can call today.

Put a primary-cited Visa and Mastercard corpus into Claude, OpenAI, or any MCP client: reason codes, evidence checklists, and time-limit guidance, structured for agents without sending case data.

claude mcp add --transport http sparsu https://mcp.sparsu.com/mcp
"mcp_servers": [
  { "type": "url", "url": "https://mcp.sparsu.com/mcp", "name": "sparsu" }
],
"tools": [
  { "type": "mcp_toolset", "mcp_server_name": "sparsu" }
]
"tools": [
  { "type": "mcp", "server_label": "sparsu",
    "server_url": "https://mcp.sparsu.com/mcp" }
]

PRIMARY-CITED · NO SIGNUP · READ-ONLY · ZERO CASE DATA

Chargeback recovery, proven first

See the uplift before you pay.

We run the agents over your historical disputes and measure the delta — win rate, recovered value, analyst hours. If the numbers don't move, neither does your money.

YOUR DATA · YOUR BASELINE · MEASURED DELTA

Chargeback automation FAQ

Questions acquirers ask us.

How does chargeback automation work for acquirers?

Sparsu's AI agents ingest every chargeback from whatever source your acquirer or sub-acquirer sends, normalize each one into a single case model, validate the filing, decide what's worth fighting, generate the dispute, and file it in time — chargeback dispute management handled end to end by agents.

What is chargeback recovery for acquirers?

Chargeback recovery is winning back disputed transaction value that would otherwise be lost. Sparsu contests every eligible chargeback on your behalf and shares back what it recovers — every dollar we recover, we share with you.

How fast must a dispute be filed?

Each network sets a hard filing window per reason code, often only a handful of days. Sparsu validates every chargeback on arrival and files each dispute inside its deadline, so no case is lost to a missed clock.

Do you charge if you don't recover?

No. We run the agents over your historical disputes first and measure the delta — win rate, recovered value, analyst hours. If the numbers don't move, neither does your money.

Can my AI agent use Sparsu's chargeback rules over MCP?

Yes. Sparsu's phase-one MCP server exposes a primary-cited Visa and Mastercard corpus — reason codes, evidence checklists, and time-limit guidance — to Claude, OpenAI, or any MCP client, read-only and with zero case data sent.

Every dollar we recover, we share with you.

Schedule a call Email us