Founded 2011 | HQ: Clearwater, Florida | Revenue: ~$59 million

MM Verified

Chargebacks911 was founded in 2011 by Monica Eaton, who built the company after experiencing devastating chargeback losses in her own e-commerce business. Unable to find adequate solutions in the market, she developed proprietary dispute management technology that now protects more than 2.4 billion transactions annually across 2.5 million merchants in 87 countries.

The company operates a dual-platform strategy. Chargebacks911 serves merchants with chargeback prevention and representment. Fi911 serves issuers and acquirers with DisputeLab, a dispute automation engine. Together, they cover both sides of the dispute ecosystem.

In October 2025, the company launched UDMS, the first Disputes-as-a-Service platform unifying dispute workflows across merchants, acquirers, and issuers. In December 2025, Fi911 followed with ResolveLab, a white-label DaaS offering for payment facilitators.

First genuine Disputes-as-a-Service platform. UDMS eliminates the data silos that have plagued chargeback management for decades. For the first time, merchants, acquirers, and issuers can collaborate on disputes in real-time through a single platform with agentic AI tools, self-service automation, and shared transparency.

Early and credible positioning on agentic commerce disputes. Monica Eaton and CTO Donald Kossmann have been the loudest voices warning that AI agent purchases will create a fourth category of chargebacks. When the customer says "I didn't buy that, my AI did," traditional dispute frameworks break down. Chargebacks911 is already building the evidence and workflow frameworks to handle this new reality.Performance-based pricing removes buyer risk. Chargebacks911 offers the only performance-based ROI guarantee in the chargeback management industry. The cost of the solution is guaranteed to be less than the revenue recovered. This aligns incentives and eliminates the risk of paying for an unproven platform.

Scale that validates the model. 2.4 billion transactions, 2.5 million merchants, 18,000+ enterprise customers, 87 countries. Chargebacks911 achieved this scale while remaining bootstrapped, with estimated revenue of approximately $59 million. This is not a venture-subsidised growth story. It is a profitable business that has earned its market position.

Documentation and developer experience lag behind modern standards. Chargebacks911's integration model relies heavily on FTP file exchange, processor-level connections, and managed onboarding rather than a self-serve API-first approach. Developers accustomed to modern RESTful APIs with sandbox environments may find the integration process more traditional than expected.

Certification details are not fully transparent. Fi911 holds PCI-DSS Level 1 certification, and SOC 2 is referenced in marketing materials. However, complete audit details and specific certification types are not prominently documented in public sources. Regulated financial institutions should request current reports directly.

Competitive pressure from network-owned solutions. Verifi (Mastercard-owned) and Ethoca (Mastercard portfolio) have native integration advantages within the card network ecosystem. As Mastercard deepens its dispute prevention tooling, Chargebacks911's position as an independent platform could face margin pressure from network-embedded alternatives.

Chargebacks911 offers performance-based pricing with a guaranteed ROI. Entry-level plans start at approximately $99 per month, with enterprise pricing customised based on transaction volume, industry vertical, and services selected. Deployment is via FTP, REST APIs, and direct processor connections, with 1,000+ integrated data connections. Turnkey integrations with Shopify, WooCommerce, and Adyen enable faster onboarding.

Fi911 holds PCI-DSS Level 1 certification, the highest standard for handling payment card data. SOC 2 compliance is referenced in marketing materials, though specific audit type and details are not publicly documented. The platform operates under global payment network rules from Visa and Mastercard and handles data from regulated financial institutions.

Overall: 3.5/5

Chargebacks911 is the right choice for merchants and payment facilitators that need proven, scale-tested dispute management with aligned incentives. The performance-based ROI guarantee removes buyer risk, and the UDMS platform represents genuine innovation in connecting the fragmented dispute ecosystem. The agentic commerce positioning is particularly timely. As AI agents begin making purchases on behalf of consumers, the dispute landscape will shift fundamentally, and Chargebacks911 is the company most visibly preparing for that shift. Organisations looking for a modern, API-first developer experience should also evaluate Chargeflow or Justt. Those already embedded in Mastercard's ecosystem may find Verifi and Ethoca more convenient. The company's bootstrapped profitability and forward-looking AI strategy make it one to watch closely through 2026.

Try Chargebacks911: chargebacks911.com

When your customer's AI agent makes a purchase they did not expect, whose problem is that? How is your dispute framework preparing for the fourth chargeback category?