Volume you cannot staff
Every merchant under you generates chargebacks in a different format, on a different clock. Contesting each one by hand stops scaling the moment your portfolio does.
Chargeback automation for acquirers & sub-acquirers
Chargeback recovery, built for the acquiring side.
Every competitor points its chargeback software at merchants. Sparsu automates dispute management for the acquirers and sub-acquirers those merchants sit under — validating every case, filing every eligible dispute in time, and sharing back what it recovers.
Why hand-contesting breaks
Chargebacks don't scale by headcount.
On the acquiring side, disputes arrive from every merchant at once — in every format, on every network's clock.
Deadlines measured in days
Each network sets a hard filing window per reason code — often a handful of days. A single missed clock is a dispute lost before anyone opened the case.
No view across the chain
Merchant, sub-acquirer, acquirer — the filing crosses three parties. Without one case model spanning all of them, cases fall between the seams.
How acquirer dispute management works
One filing, three hops.
Sparsu automates the real path a dispute travels: merchant to sub-acquirer to acquirer. Each hop is independent, logged, and re-validated at the moment it fires.
- 01
Merchant
The merchant submits the evidence package. Sparsu has already parsed the chargeback into one case model, decided it is worth fighting, and generated the representment dossier — so the merchant confirms, not builds.
- 02
Sub-acquirer
The sub-acquirer forwards the dossier up the chain. Each hop is independent and logged as its own stage event, so you see exactly where every dispute sits across your whole merchant base.
- 03
Acquirer
The acquirer is armed with the filing, holds a 24-hour veto window, then files inside the reason code's exact deadline. Filing authority is yours — the automation just makes the window impossible to miss.
MERCHANT → SUB-ACQUIRER → ACQUIRER · EACH HOP LOGGED · FILED IN WINDOW