Stop losing money to chargebacks.
Ozympay is an AI agent that protects your revenue end to end — it analyses your customer records, optimises every payment, fights disputes with auto-built evidence, and prepares all the documentation so you don't have to.
Up to 40%
fewer chargebacks within the first quarter
2–3×
higher dispute win rate with auto-built evidence
Minutes
to assemble a case that used to take days
The problem
Every chargeback costs you twice.
You lose the product, then you lose the payment — plus a dispute fee on top, and your processor watches your chargeback ratio climb toward the threshold that gets accounts frozen. Fighting back means hunting for evidence across half a dozen systems and filing paperwork against a clock that's already running.
Most businesses simply eat the loss because fighting is slower than the refund. Ozympay flips that — making prevention automatic and the fight effortless.
What Ozympay does
One agent, the whole chargeback lifecycle
From the moment a customer pays to the moment a dispute is won, Ozympay handles the work that used to fall on your team.
Analyses customer records
Ozympay reads every order, refund, and dispute in your history and builds a behavioural profile for each customer — surfacing the patterns that precede a chargeback long before one is filed.
Optimises customer payments
It scores every transaction in real time and routes risky payments toward safer rails — so genuine customers check out friction-free while high-risk attempts are slowed, verified, or held.
Generates dispute-fight records
When a chargeback is filed, Ozympay assembles the representment package automatically — compiling the evidence, timeline, and compelling narrative needed to win the dispute with the issuing bank.
Proofs management
Delivery confirmations, IP and device logs, AVS/CVV matches, and signed terms are collected and organised per transaction, so every proof you need is one click away when a dispute lands.
Flags risky customers
Repeat abusers get flagged. Next time they reach checkout, Ozympay quietly hides the bank and card options for that customer and routes them to e-transfer — cutting off the chargeback at the source.
Prepares documentation
Ozympay gathers and formats the full evidence file for each case — bank-ready, compliant, and submission-ready — then takes the next steps to push the dispute through and recover the funds.
Prevention, not just defence
It learns who to trust — and quietly steers the rest
Once Ozympay flags a repeat abuser, the next time they reach checkout the card and bank options simply don't appear for them — they're routed to e-transfer instead. The customer sees a normal checkout. You see one less chargeback waiting to happen.
- Per-customer risk profiles that improve over time
- Silent re-routing — no friction for good customers
- Real-time scoring on every transaction
Returning customer
All payment methods shown
New, low signal
Card allowed, extra verification
Flagged · 2 prior disputes
Card & bank hidden → e-transfer only
How it works
Live in five steps
Connect
Plug Ozympay into your payment processor and order history. No migration, no rip-and-replace.
Analyse
It profiles every customer and transaction, learning the patterns behind your past chargebacks.
Protect
Risky payments are scored, flagged, and re-routed in real time before money ever moves.
Fight
Disputes trigger an auto-assembled evidence package, submitted bank-ready on your behalf.
Recover
You win more representments, lose fewer funds, and watch your chargeback ratio fall.
Beyond chargebacks
How AI is reshaping fintech
Ozympay is one piece of a bigger shift. The same applied-AI approach we use to kill chargebacks works across the entire financial stack — wherever there's risk to score, paperwork to read, or a decision to make at scale.
Catch fraud before it settles
Models trained on your own transaction history spot anomalies a rules engine never could — flagging account takeovers, card testing, and friendly fraud in milliseconds.
Smarter payment routing
AI decides which rail, processor, or retry window gives the highest approval odds per transaction — recovering revenue lost to false declines and failed payments.
Automate the back office
Reconciliation, KYC document review, and dispute paperwork are handled by agents that read, classify, and file — turning days of manual work into minutes.
Faster, fairer decisions
Credit and merchant underwriting models weigh thousands of signals consistently, giving instant decisions with a clear, auditable reason for every outcome.
Compliance that keeps up
AI monitors transactions against AML and sanctions rules continuously, drafts SAR narratives, and keeps an audit trail regulators can actually follow.
Resolve disputes instantly
Customer-facing agents answer billing questions, pre-empt disputes, and de-escalate before a chargeback is ever filed — protecting both revenue and the relationship.
See Ozympay on your numbers
Send us a slice of your chargeback history and we'll show you exactly how much Ozympay would have saved — before you commit to anything.