Decisionly provides AI-powered automation software specifically designed for card issuers to manage the entire payment dispute lifecycle. This platform eliminates manual overhead, reduces fraud losses, and ensures adherence to complex regulations like Reg E and Z. By customizing workflows and leveraging first-party fraud signals, the system significantly lowers operational costs and accelerates customer communication during disputes.
Funding
Funding not disclosed
Founders
Product
Problem
Card issuers must manage a high‑volume, multi‑step dispute process that relies on manual data entry, legacy rule sets, and fragmented communications. This creates operational bottlenecks, elevates fraud exposure, and makes it difficult to stay aligned with Reg E, Reg Z, and network‑level compliance requirements.
Solution
The platform delivers an end‑to‑end, AI‑driven dispute automation engine designed for credit‑card issuers. Machine‑learning classifiers ingest first‑party transaction signals and external fraud indicators to triage cases and recommend resolutions in real time. A configurable workflow orchestrator routes disputes through the appropriate review stages, applying rule‑based and predictive logic while maintaining a complete audit trail. Integrated compliance modules enforce Reg E/Z and network rules automatically, reducing manual error and audit risk. Secure APIs and SSO/SAML enable seamless connectivity to core banking systems and case‑management tools, delivering faster customer notifications and measurable cost reductions.
Target Audience
The solution targets credit‑card issuers—including banks, neobanks, and fintech platforms—that process large dispute volumes and require scalable, compliant automation of the dispute lifecycle.
Features
- AI/ML dispute triage engine that scores and prioritizes cases using proprietary fraud‑signal models
- Drag‑and‑drop workflow builder with conditional logic, escalation paths, and version control for rapid policy updates
- Real‑time integration layer (REST, SOAP, and ISO 8583 adapters) that syncs transaction data from core banking and payment processors
- Built‑in compliance engine that enforces Reg E, Reg Z, network rules, and generates audit‑ready logs for regulators
- Enterprise‑grade security: SOC II Type 2, PCI‑DSS certification, end‑to‑end encryption, RBAC, and SSO/SAML support
- Automated customer communication suite (email, SMS, in‑app) with templated messaging and SLA tracking
- Dashboard and analytics portal offering KPI visualizations, fraud loss attribution, and cost‑saving metrics
- Extensible API marketplace for third‑party fraud data feeds and custom decision services