beginr execution roadmap
Chargeback Evidence Assembly
A SaaS that assembles shipment, chat, refund and policy evidence into scheme-compliant dispute packets for small EU DTC merchants: a flat fee, not 25% of every euro recovered.
- Category
- SaaS
- Difficulty
- Moderate
- Revenue potential
- Solid
- Startup cost
- €8k
You could build a tool that assembles dispute evidence for a flat fee and works across several payment providers. That puts you between the big players who take a cut of your revenue and the manual work European merchants still do by hand.
Executive summary
Build a flat-fee tool that puts dispute evidence together for small European merchants who use more than one payment provider.
There's a real workflow here, and it's expensive. The average dispute costs about €190 all-in, and for every €1 charged back you lose €3.75 to €4.60 in revenue.
The best opening isn't generic chargeback automation. It's putting evidence together for small direct-to-consumer and subscription merchants whose tools don't talk to each other: Stripe, Adyen, Mollie, Shopify, and support systems that don't line up on their own.
This category already exists, but the pricing and product shape leave room for a tighter offer. Chargeflow takes about 25% of what it recovers, Justt charges custom success-based fees, and Chargebacks911 stacks platform fees, alert fees, and revenue share on top of each other.
- Small European merchants running more than one payment provider are the clearest group nobody serves well.
- Visa CE3.0 and Mastercard First-Party Trust make it more explicit what evidence you need. They don't make it less important.
- AI can cut down analyst work by matching transactions to past orders and drafting the rebuttal write-ups.
- A flat €49 to €199 a month is far easier to judge than a cut of your revenue.
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- Step-by-Step 90-Day GTM Blueprint
- Editable 3-Year Financial Model (XLSX)
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Questions, answered
Can I see what a packet looks like?
Yes, you connect your PSPs and support tools, then the product assembles a dispute packet mapped to the exact evidence Visa CE3.0 and Mastercard First-Party Trust ask for. The goal is to turn fragmented logs into a ready-to-submit rebuttal without manual stitching.
What if my disputes are not winnable?
The product is meant to stay selective, because published fraud-code win rates are only around 17 percent and net recovery often lands in the 12 to 18 percent range. Onboarding should focus on dispute types where assembled evidence actually moves the outcome.
Why not use a broader chargeback platform?
Broad platforms often charge revenue share or layered fees, while this wedge is built for small European merchants running more than one PSP. The differentiation is narrow multi-PSP connectors plus scheme-specific packet assembly at a flat price.