Automated Chargeback and Dispute Platform for Digital Services

C5/10April 29, 2026

WhatA consumer-facing tool that automates credit card disputes against SaaS and API providers who refuse refunds for documented billing errors, handling evidence collection, filing, and follow-up.

SignalUsers who are overbilled by AI providers and denied refunds are successfully winning credit card chargebacks, but the process is manual and intimidating — most people just eat the cost rather than fight it.

Why NowThe explosion of subscription and usage-based billing for AI services, combined with immature billing systems and aggressive no-refund policies, is creating a wave of legitimate disputes that consumers don't know how to pursue.

MarketMillions of consumers and small businesses paying for AI subscriptions and API usage. Existing dispute tools like Chargeflow focus on merchants, not consumers. Revenue model: percentage of recovered funds.

MoatTemplated dispute evidence packages tuned per provider, with win-rate data that improves success rates over time and creates a defensible knowledge base.

HERMES.md in commit messages causes requests to route to extra usage billing View discussion ↗ · Article ↗ · 1,187 pts · April 29, 2026

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