Findustry AI
Findustry AI provides an AI-powered chargeback management platform that automatically collects evidence, builds rebuttal arguments, and submits dispute responses on behalf of merchants. The system integrates directly with payment processor APIs, acting as an "ambient agent" that responds to disputes as soon as they occur without user prompting. Its Chargeback Agent has increased recovered dollars as a percentage of chargeback volumes from 11.83% to as much as 36.1% for customers like AllPaid.
- Artificial Intelligence
- AI Agents
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Chargeback management is a labor-intensive process requiring merchants to manually collect evidence, interpret complex card network rules, and craft persuasive rebuttal letters for each dispute. Many businesses either concede low-value chargebacks due to the cost of fighting them or lose significant revenue because their teams lack the time and specialized knowledge to maximize win rates.
Solution
Findustry AI provides Chargeback Agent, an AI-powered system that automates the entire dispute lifecycle from intake through submission. The agent collects the specific evidence types each dispute requires directly from merchant systems, interprets card network requirements, and builds persuasive rebuttal letters before submitting packages via processor APIs. Unlike traditional automation tools, Chargeback Agent operates as an "ambient agent" that automatically prepares responses as soon as a chargeback occurs, without requiring user prompts. The platform incorporates evolving best practices like Compelling Evidence 3.0 compliance, procedural invalidity identification, and IP geolocation for first-party fraud cases. Merchants can configure which disputes are fully automated versus drafted for human review through a human-in-the-loop interface, with a complete audit trail capturing every action. The system continuously improves by learning from each interaction, and Findustry AI has developed a proprietary benchmark to measure LLM performance for payments-specific use cases, ensuring optimal model selection and 40% performance improvements over general-purpose solutions.
Target Audience
Primary customers are payment facilitators, merchants, and enterprises that handle high volumes of chargeback disputes, including companies in specialized verticals like government payments where legacy retail-focused chargeback tools are poorly adapted.
Features
- AI agents that automatically collect dispute-specific evidence from merchant systems and submit responses through processor APIs without manual intervention
- Natural language query interface that generates custom charts, reports, and insights about chargeback trends without coding or consultant support
- Human-in-the-loop configuration allowing merchants to set thresholds for automated versus human-reviewed disputes, with AI drafting responses that staff can approve or supplement
- Complete audit trail recording all automated and human actions with timestamps for full accountability throughout the dispute lifecycle
- Proprietary payments-industry benchmark that evaluates LLM performance on chargeback-specific tasks, enabling systematic model selection that improved performance by more than 40% with a purpose-built solution
- Continuous learning system that uses preference data from each interaction to improve future responses and adapt to each processor format it encounters