Dispute volume concentrates: a short head of descriptors drives most of the “what is this charge?” queue, and the registry already covers the strings issuers flag most. Put in your own volumes and see what resolving covered charges — before they become calls and disputes — is worth a year.
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Browser lookup from day one — no integration, no release cycle. API when you're ready.
The ladder is coverage-first. Deflection is applied only to the share of your confusion volume that sits on descriptors the registry already covers — your top-flagged head, set above from your own dispute-volume ranking. Coverage widens as merchants claim descriptors, and the note under the ladder shows the full-coverage figure.
The head is not hypothetical. WhoBilled.me analyzed 192,911 real statement descriptors and built coverage for all 372 descriptors most frequently flagged in card-issuer dispute data — including the aggregator prefixes and processor strings no cardholder can decode. The most-looked-up merchants are household names, which is exactly why the head of your dispute ranking concentrates the way it does. Your dispute-volume ranking and our coverage list are substantially the same list.
Resolution rates in the ladder's range are documented for descriptor-detail programs — Visa reports Order Insight deflecting 40–45% of confirmed first-party-misuse disputes, up to 90% for some subscription merchants. The ladder still treats the rate as a scenario, not a promise.
The $85 default sits inside the commonly cited $75–100+ fully-loaded range for working a dispute. Replace it with your own figure.
Resolution paths sit alongside dispute rights, never in front of them. A descriptor lookup answers the recognition question; nothing about it gates, delays or discourages a cardholder's right to dispute under Reg E, Reg Z or network rules.
This is an arithmetic model of your own inputs, not a performance guarantee or a forecast. Actual results depend on descriptor coverage, your cardholder base and your dispute mix.
Claim the descriptor your customers actually see, control what it says about your business, and decide how they reach you when they have a question about a charge.
Claim, enrich and maintain the record consumers and banks look up. $20 per month, no integration, no processor change.
How it works →Bring the fix to your own book at your own retail, with portfolio tooling and no build cost.
Partner economics →How descriptors are boarded, enriched and recognized — and why the data is declared rather than inferred.
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