Card scheme AI specialists
Built for issuers and acquirers by people who have worked VISA and Mastercard dispute queues, fraud reviews, and scheme compliance as a day job.
The systems we work in
The challenge
Recovering a disputed transaction takes analyst hours, scheme filings, and deadline tracking. A manually worked case runs 30 to 120 days. That work scales with volume, and volume is still climbing.
$33.79B
Global chargeback losses, 2025
This figure counts chargebacks only. Total fraud losses sit well above it, and the chargeback share alone is projected to reach $41.69B by 2028.
$82
To resolve one disputed transaction
Analyst time, evidence gathering, and scheme filing on a single first-party misuse case. Up from $74 in 2025.
74%
Of disputes become chargebacks
Only 8% are resolved through merchant collaborations. The rest escalate to a full chargeback, and most of those could have been caught earlier.
261M
Chargeback transactions, 2025
Volume grows 24% over three years to 324M by 2028. Without automation, operations teams cannot scale to meet it.
Sources: 2025 State of Chargebacks Report; 2026 MRC Global Payments and Fraud Report
What we deliver
Every engagement starts from a specific line in your operating budget: the dispute queue, the fraud review team, the compliance research burden.
01
Workflows covering the dispute lifecycle from merchant collaborations through representment and arbitration. Scheme tooling clears the straightforward majority. The cost sits in what falls out: contested liability, cross-scheme cases, and filings approaching their deadline.
02
Models trained on card scheme transaction patterns for issuers and acquirers. They flag repeat offenders and correlate activity across channels while the loss can still be stopped.
03
Scheme rules, reason codes, and compliance mandates made queryable. An analyst asks a question in plain language and gets an answer with the source paragraph attached.
04
Process mapping and workflow redesign for payment operations teams. We find the repetitive decision points, automate them, and measure the result against your existing baseline.
Domain expertise
Scheme rules behave differently in production than on the page. These are the platforms, reason codes, and filing deadlines we have handled directly.
Operational knowledge across VISA and Mastercard ecosystems: scheme-specific platforms, rule sets, and integration protocols.
Dispute lifecycle management, fraud detection patterns, and transaction monitoring for issuers and acquirers.
Scheme mandates, PCI DSS requirements, and operational workflows across issuing and acquiring environments.
Systems that augment payment operations, from retrieval-backed knowledge bases to agentic workflow automation.
Our approach
Each engagement is structured to reduce risk, deliver value early, and endure as the payments landscape shifts.
Phase 01 · 1–2 weeks
Understand your current state
A structured deep-dive into your dispute and fraud workflows: mapping pain points, identifying automation opportunities, and understanding your scheme integrations. No assumptions, only evidence.
Phase 02 · 2–3 weeks
Architect the right solution
Solutions designed around your scheme environment, regulatory context, and operational constraints. Each architecture decision traces back to a specific rule or deadline you have to meet.
Phase 03 · 6–12 weeks
Inside your infrastructure
We implement, integrate, and test inside your existing infrastructure, whether it is a dispute automation engine, a RAG knowledge system, or a set of fraud scoring models.
Phase 04 · Ongoing
Continuous improvement
Scheme rules change, fraud patterns evolve, dispute volumes shift. Post-deployment we monitor, iterate, and retrain so the system keeps returning measurable value.
About
FinAI Solutions was founded on a simple observation: the organisations that suffer most from payment fraud and dispute complexity are often the ones furthest from the tools that could transform their operations.
We come out of card scheme operations: VISA and Mastercard fraud prevention, dispute management, chargeback recovery, and scheme compliance. We have filed the cases and met the deadlines ourselves.
We apply that background to automate the work: dispute handling that holds up under scheme rules, and scheme documentation an analyst can query in plain language.
We work with banks, fintechs, and payment processors who want their dispute and fraud operations to run at a fraction of the headcount they take today.
We know how VISA and Mastercard rules behave in production, including the edge cases and filing deadlines that the written documentation leaves out.
We rebuild the workflow around the model, so the automation owns the decision path and the analyst handles the exceptions.
Every engagement is tied to concrete KPIs: chargeback ratios, resolution cycle time, analyst FTE savings, and fraud loss reduction.
In production
Automation for dispute handling, fraud intelligence, and payment compliance is running today inside live payment environments.
Get started
Book a thirty-minute call. Bring your dispute volumes, your fraud rates, or the process you want off your team's plate, and we'll tell you what can realistically be automated and what cannot.
01
Thirty minutes. Choose a time that suits you.
02
Current dispute volumes, fraud rates, or the automation goal you are working toward.
03
We outline what an engagement would cover, how long it would run, and what it would change.