Consumer-Initiated Transaction DisputesOur Solutions

Lean Industries is solely focused on automating the rising challenge of transaction disputes. Our solutions support both issuers and acquirers, covering the full dispute lifecycle, from consumer-initiated claims to merchant related exceptions. With increasing fraud, regulatory pressure, and shrinking margins, financial institutions need purpose-built automation – and that is exactly what Lean delivers. Our core offerings, AdjustmentHub and NetworkHub, support dispute handling across card and non-card transactions, including fraud and non-fraud claims. We currently serve major financial services companies across North America, Europe, South America, and New Zealand.

Institutions
 

Issuers

Automate dispute resolution for debit, credit, and prepaid cards, ACH, and more. Support Regulation E and Z compliance and streamline intake via digital channels, call center, and branch.

Credits Unions/ Digital-only Banks

Manage your process with a scalable solution that adapts to Lean teams and digital operations, including self-service and automated dispute handling.

Processors/ Service Providers

Our dispute resolution, as a service across multiple institutions, offers configurable, multi-tenant environments, and built-in Visa and Mastercard integration.

Acquirers

Handle incoming chargebacks with automation, merchant communication portals, and full process visibility.

Payment Types

Our solutions support a broad spectrum of payment types:

  • Card payments: Credit, debit, prepaid (Visa, Mastercard, regional networks)
  • ACH: Unauthorized transfers, duplicate payments, and stop payment disputes
  • Zelle: Handling of real-time payment disputes, applying RegE logic for unauthorized transactions
  • Wire: Manual case tracking and timers
  • Billpay and checks: Exception item handling
  • Installments: Automation to dispute recurring merchant transactions month-by-month
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Compliance

Our solutions provide integrated support for applicable regulatory and network compliance standards:

  • Regulation E: Comprehensive support for debit card disputes, including unauthorized transactions and error resolution, with full adherence to all regulatory timelines and procedures (e.g. provisional credit, investigation, and resolution).
  • Regulation Z: Comprehensive support for credit card disputes, including billing erros and fraud-related cases, with full adherence to all regulatory timelines and procedures.
  • Visa, Mastercard, and Regional Networks: Automated integration with VROL and MCOM and full support of network rules.
  • Audit tracking: Configurable timers, logging of all actions, and reporting.

Our solution is designed to comply with U.S. regulation, local regulation, and global card network rules, without custom coding.

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Digital Self-Service

Improve customer satisfaction by giving users control over their disputes, while reducing call center volume and operational costs. Our solution delivers a seamless, user-friendly journey across channels, designed to increase satisfaction and reduce friction.

  • Online and mobile intake: Cardholders can securely submit disputes anytime, from any device.
  • Real-time status updates: Keep customers informed to reduce follow-up calls and build trust.
  • Attachment support: Let users upload receipts, and documents directly during submission.
  • Smart guidance: Intake questionnaires help customers select the right dispute reason with dynamic prompts.
  • Backoffice integration: Automatically route cases to backoffice, either for straight-through processing to the networks or for manual analyst review, without disrupting the user experience.
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