An Industry Unicorn Takes Flight—Disputes-as-a-Service

By W.B. King

Billed as an industry first, this week the Tampa-based Chargebacks911 and UK-based Fi911 launched its Unified Dispute Management System (UDMS)—a disputes-as-a-service (DaaS) platform.

Monica Eaton, founder and CEO of Chargebacks911 and Fi911, explained that the solution provides a configurable interface for merchants, acquirers, payment facilitators (payfacs), fintechs, issuers, and their customers, all through a single-source platform.

“UDMS eliminates the industry’s long-standing data silos, providing real-time transparency, agentic artificial intelligence (AI) tools, self-service automation, and instant collaboration across the payments ecosystem, that works to improve and safeguard dispute and transaction integrity,” she noted.

Why Now?

UDMS is a response to issues that have impacted the industry for decades, Eaton said. “Disputes have been fragmented, inefficient, and costly, forcing every party to work with disconnected systems, manual processes, and conflicting data,” she continued. “UDMS changes that by acting as an overlay to existing infrastructure, enabling banks and payment providers to manage every dispute type in one place, without costly integrations, professional-service fees, or additional software.”

The cloud-based platform was specifically designed to replace manual chargeback management with unified, automated workflows, Eaton shared. And while it was only recently rolled out, she added that the solution has already been adopted by digital bankers, issuers, acquirers, fintechs, and travel networks seeking to protect revenue across card and alternative payment rails.

UDMS features include:

• Unified data exchange: Issuers, acquirers, and merchants exchange case data through multiple (existing) means.

• Plug-and-play integration: Works as an overlay with no system replacement required.

• Configurable self-service tools: No engineers or black-box tech needed.

• Transparent pricing: Subscription-based with no hidden fees or professional service add-ons.

• Always evolving: Continuous feature upgrades and rule updates are included for all users.

• 
  

“UDMS was built to solve dispute problems for the largest and most complex enterprise institutions,” said Donald Kossmann, CTO at Chargebacks911. “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."

Redefining Dispute Management

A scaleable solution for organizations of all sizes, the UDMS platform offers self-registration and real-time notifications free of charge, with optional premium tools for responding, uploading representments, and managing cases directly, explained Kossmann. These features, he added, previously required a “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,” he continued. “Built on more than a decade of Chargebacks911’s global expertise, UDMS marks a pivotal step in redefining dispute management as a shared, transparent process rather than a fragmented burden.”