Every claim arrives with two clocks already running.
Dispute volume is growing. Automate the response. Lean's platform holds both clocks, the regulator's and the network's, in the case file, routes the exceptions to your analysts, and moves everything else from claim to resolution on its own.
Where you sit in the dispute cycle.
One platform, seen from the seat you work from. The dispute logic is the same; what changes is the job in front of you.
Banks and credit unions
Work cardholder disputes end to end: initiation, chargeback cycles, representment response and case filing, with Reg E, Reg Z and network clocks running on every case.
Merchant-side operations
Manage inbound chargebacks at volume: second presentments, evidence assembly and fee handling on the same engine, against the same rails.
Program operators
Operate dispute programs on behalf of many institutions from one configured platform, at processor scale, with per-institution policy held in configuration.
The problems on a dispute desk.
Four problems an issuer, an acquirer or a processor brings to the dispute desk.
Chargeback operations
Case volume grows. Headcount doesn't.
Manual queues age, network clocks keep running, and each escalation pulls an analyst off the cases that need judgment.
The engine automates the repeatable path (intake, eligibility checking and straight-through processing) so the team works the exceptions, not the backlog.
Regulatory deadlines
The clock is regulatory, not operational.
Investigation windows, provisional credit timing, documentation standards: the deadlines are set by regulation and network rules, and missing them is its own loss category.
Network integration
Disputes shouldn't leave the workflow to reach the network.
Swivel-chair work, keying a case in one system and again in the network portal, is where time and accuracy are lost.
Recovery and write-offs
Write-offs should be a rule, not a default.
When handling a chargeback costs more than the claim is worth, recovery stops at the write-off threshold.
One dispute engine, configured to your operation.
Your policy, portfolio and process are held in configuration, and the tools to change them stay with your team. When a network changes its rules, Lean updates NetworkHub and AdjustmentHub.
AdjustmentHub
Every dispute runs on one engine, from intake to network resolution, with twenty years of dispute logic built in. Each deployment is configured to match unique enterprise requirements.
Explore AdjustmentHub →NetworkHub
The network connections inside AdjustmentHub: Visa VROL, Mastercom and the connected debit networks.
Explore NetworkHub →The operator's library.
Dispute volume moves with e-commerce and fraud while headcount does not. What dispute automation does, what it changes, and what to look for, with sources.
Read the guide →Reg E dispute timeframes in one table: the 10, 20, 45 and 90 day clocks, the notices, which transfers are covered, and what automation does at each step.
Read the guide →A plain reference to Visa VROL and Mastercom: the dispute stages side by side, allocation and collaboration, reason codes and Compelling Evidence 3.0.
Read the guide →See how AdjustmentHub performs against your dispute volume.
Thirty minutes with a dispute specialist, built around your own volume and networks.