Trace is the AI-powered chargeback management software that detects disputes,
gathers evidence, and drafts unique, intelligent, data-backed responses in minutes.
Trace's AI automatically detects chargebacks, pulls in
order, payment and customer data and drafts a win-ready
response in two minutes. You review and send.
Every draft, edit, and outcome is logged against its reason code. Trace uses that history to sharpen how it drafts, grades and flags the disputes you see next.
Different disputes need different proof. Trace builds the checklist from the card network's reason code, across Visa, Mastercard, American Express and Discover.
Trace Intelligence grades the evidence on every dispute and tells you what would strengthen it.
Connect your store and processor(s) in minutes. Trace imports your past 12 months of decided disputes for learning.
Upload files or send customer, order and shipping details from your own systems through our API or a Zapier connection
Flat monthly fee, keep 100% of what you win.
Start Winning Your Chargebacks
Engineered with advanced learning models, Trace AI reads
thousands of data points, your wins & losses, and finds
patterns behind it all, and tells you exactly what to change.
See which evidence tips your disputes your way, with the real counts behind it.
Spikes, reason surges and repeat customers, flagged in plain words as they appear.
Every dispute gets a grade, the reasons behind it, and what would improve it.
Your month in plain English, in your inbox on the 1st.
Estimate how much revenue Trace could help you win back
each month, based on win-back industry averages.
Trace is engineered to keep your data private and protected,
and give you peace of mind with encryption, private evidence
storage, role based access and logs.
Your merchant credentials are encrypted with AES-256-GCM before they are stored. All traffic uses HTTPS.
Row-level security is on for every table. Uploaded files sit in private storage and open only through short-lived signed links.
Approvers send, Drafters edit, and only you manage billing. Every send is logged.
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Connect your payment systems, eCommerce platforms,
customer management and communication tools in two minutes.
What chargeback management is, what it costs, and how to choose.
Chargeback management is the process of detecting a card dispute, gathering the evidence needed to contest it (order, shipping, and customer records), and submitting a response — called representment — before the card network’s deadline. Done manually, evidence-gathering alone takes 20–45 minutes per dispute; software like Trace automates the pull and drafts the response.
Chargeback management software typically runs from a flat monthly fee to a commission on recovered revenue. Trace charges a flat $49/month, regardless of how much you recover — unlike commission-based tools that take 10–25% of every dollar you win back. There’s no per-dispute fee and no cut of your recovery.
Look for four things: automatic dispute detection (so you never miss a deadline), a reason-code-aware evidence checklist (different dispute reasons need different proof), AI-assisted drafting instead of manual writing, and required human review before anything submits. Also check the pricing model — flat fee vs. commission changes your cost dramatically as recovery volume grows.
The most effective protection is responding to every dispute with complete, reason-code-matched evidence before the deadline — tracking confirmation, signature on file, and customer communication, depending on why the dispute was filed. Merchants who miss deadlines or submit incomplete evidence lose by default, regardless of whether the original charge was legitimate.
Card networks monitor your dispute-to-transaction ratio, and crossing their threshold can trigger extra monitoring, added fees, or processing restrictions — on top of the revenue already lost to the disputes themselves. Keeping your ratio low means fighting disputes you can win, not just absorbing the loss, since every won dispute keeps a transaction off your ratio.
Outsourced chargeback services typically take 10–25% of whatever they recover and add a human hand-off step between you and the dispute. Software like Trace pulls evidence and drafts a response automatically within minutes of a dispute being filed, for a flat monthly fee — you review and approve, nothing is submitted without you.
Strategy and data on evidence, reason codes, and what it actually takes to win.
