Chargebacks911 and its sister company Fi911 launched a ‘disputes-as-a-service’ platform.
The Unified Dispute Management System (UDMS) unifies dispute-related data and workflows, providing a configurable interface for merchants, acquirers, payfacs, fintechs, issuers, and their customers, through a single-source platform.
UDMS eliminates the industry’s long-standing data silos, providing real-time transparency, agentic AI tools, self-service automation, and instant collaboration across the payments ecosystem.
The firm says that its software works to improve and safeguard dispute and transaction integrity in a sector that for decades has been ‘fragmented, inefficient, and costly’.
UDMS acts as an overlay to existing infrastructure, enabling banks and payment providers to manage every dispute type in one place, without integrations, professional-service fees or additional software.
“We believe in dispute equality,” said Monica Eaton, founder and chief executive of Chargebacks911 and Fi911.
“By removing the barriers to entry and maintaining a truly agnostic approach, UDMS gives every stakeholder in the payment chain access to the same enterprise-level tools, providing unmatched visibility and an equal voice.
“The industry has struggled to keep pace with growing complexities and fragmented systems that were never designed for today’s challenges. UDMS unifies issuers, acquirers, and merchants with one transparent system, so everyone sees the same truth in any given transaction — problem solved.”
The UDMS solution is already being adopted by issuers, acquirers, fintechs, and travel networks seeking to streamline dispute handling and protect revenue across card and alternative payment rails.
It features a unified data exchange through which issuers, acquirers, and merchants exchange case data through multiple existing means.
There is a plug-and-play integration which works as an overlay with no system replacement required and users can white-label services.
It has configurable self-service tools so that no engineers or black-box technology is needed.
The solution is offered on a subscription-based model with no hidden extra fees or professional-service add-ons, with continuous feature upgrades included.
The platform is already being leveraged by early adopters across fintech, travel, and digital banking, including global travel GDS Sabre, via its Sabre Direct Pay system.
Donald Kossmann, chief technology officer at Chargebacks911, said: “UDMS was built to solve dispute problems for the largest and most complex enterprise institutions.
“We don’t just follow the same approach that has failed before in a better way. We rethink and simplify complex problems and scale the solution.
“Dispute resolution should be as frictionless and fast as the experience of making a purchase. And it should be as transparent and have the same integrity as if an independent judge had looked at it.”
For smaller merchants, UDMS offers self-registration and real-time notifications free of charge, with premium tools for responding, uploading representments and managing cases directly. It says these are features that previously required significant investment and ongoing technical integrations and manual rule updates.
UDMS also provides functionality as a standalone solution, providing turnkey purchase protection for real-time payments, ACH, digital currencies, loyalty payments and other alternative payment methods.
