Automate chargeback operations at scale.
Centralize intake, decisioning, evidence, dispute building and results tracking.
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Received
4,812
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Decided
4,790
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Exceptions
22
- 06:00 · overnight batch normalized · 6 sources
- 06:12 · opening rules validated
- 06:40 · 4,790 recommendations generated
- 07:05 · 3,212 dossiers under construction
From fragmented sources to a single case model.
Networks, issuers and internal channels deliver the same chargeback in different formats. Sparsu normalizes everything into a single model — and from it validates rules, decides and builds.
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Intake
- VISA · base II
- MASTERCARD · MCOM
- ELO · files
- EMAIL · issuers
- API · internal
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Normalization
A single case model: amount, reason code, deadlines, transaction and merchant.
CB-####
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Validation and decision
Opening rules, deduplication, and the highest-return strategy per case.
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Building and sending
Evidence, dossiers, policy approval and submission through each network flow.
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Outcome
Outcomes imported, amounts reconciled, and causes feeding back into the rules.
Your policies decide. Sparsu executes.
Approval and veto by amount, segment, merchant or reason code. Organization hierarchy with per-level permissions — and every automated decision remains explainable and auditable.
EXECUTION POLICIES
- Disputes up to R$ 2,000 AUTOMATIC
- Disputes above R$ 20,000 APPROVAL
- High-risk segment REVIEW
- Recurring reason code 10.4 VETO
Gain measured against your own history.
The operation starts with your historical base as a baseline. From there, the model is incremental recovery: the additional value recovered is what sustains the account.
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01
Historical baseline
Win rate and recovered value from your current operation, by segment.
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02
Parallel operation
Sparsu takes on volume progressively, with continuous comparison.
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03
Incremental recovery
The gain above baseline is measured, auditable and recurring.
Turn chargebacks into a revenue line.
Architecture design, volumes and commercial model in one technical conversation.