01 RECOVER PAYMENTSCHARGEBACKS
Answer every chargeback with evidence you already have.
When a customer disputes a payment, NoChurn builds the case from what it already knows, drafts the reply, and waits for you. You read it, edit it, and send it before the deadline.
HOW IT WORKS
Four steps, all automatic.
- 01
A dispute opens
NoChurn picks it up from your payment provider with the reason, the amount and the deadline. It shows in your to-do list and on the customer’s timeline.
- 02
The evidence comes together
For the dispute reason, NoChurn pulls what it has: cancel flow history, renewal reminders, invoices, usage after the charge, support conversations. Each piece keeps its source.
- 03
A reply is drafted
AI writes the response using only the evidence in the file. Nothing is added that is not there. Customer messages are quoted, never rewritten.
- 04
You review and send
Edit the draft, include or drop evidence, then submit to your provider in one click. Reminders arrive three days and one day before the deadline.
WHAT YOU CONTROL
Your rules, your tone, your call.
Evidence by reason
Subscription canceled, fraudulent, product not received, credit not processed, duplicate: each reason has its own checklist.
Your own documents
Add a file or a note to any case, or take out an item you would rather not send.
Who can submit
Only admins and owners can send a reply. Every submission is logged with who sent it.
Auto-submit, if you want it
Off by default. Turn it on and NoChurn submits before the deadline when nobody has.
Early fraud warnings
When the card network flags a payment, refund it in one click (and stop the subscription if you choose) to avoid the dispute and its fee.
Prevention at the source
Renewal reminders, one-click cancel and a clear bank statement name cut “I didn’t recognise this” disputes.
BUILT IN
Rules you don’t have to think about.
YOU DECIDE
Nothing is sent without you
Submitting a dispute is final, so a person approves it unless you turned on auto-submit yourself.
SOURCED
Only real evidence
Every item links back to where it came from. The AI can’t invent a fact or a date that is not in the file.
NO DOUBLES
Never submitted twice
If your provider already submitted the case (Stripe Smart Disputes, for example), NoChurn shows it read only.
INTEGRATIONS
Works with your stack.
Disputes are answered where the payment was taken. With a merchant of record, the merchant answers and NoChurn shows the case read only.
NoChurn runs it
The provider runs it
Shown read only
Feeds it with data
- Any billing, by APISend disputes through the API and NoChurn gathers the evidence it has: cancel flow answers, emails sent, usage.
- ChargebeeDisputes come from the payment gateway behind it. With Stripe or Braintree, NoChurn gathers the evidence and drafts the reply for you to review.
- RecurlyDisputes come from the payment gateway behind it. With Stripe or Braintree, NoChurn gathers the evidence and drafts the reply for you to review.
- MaxioDisputes come from the payment gateway behind it. With Stripe or Braintree, NoChurn gathers the evidence and drafts the reply for you to review.
- ZuoraDisputes come from the payment gateway behind it. With Stripe or Braintree, NoChurn gathers the evidence and drafts the reply for you to review.
- IntercomConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
- ZendeskConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
- HubSpotConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
- Help ScoutConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
- GorgiasConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
- CrispConversations with a date and the customer’s own words become evidence in disputes, quoted as is, never rewritten.
API
Also in the API.
Every dispute is also in the API, from the evidence file to the submission.
API reference/v1/disputes Disputes by status, deadline or customer /v1/disputes/:id Evidence file, draft and history /v1/disputes/:id/draft Edit the reply /v1/disputes/:id/submit Send it to the provider (admins only) /v1/fraud_warnings/:id/refund Refund a flagged payment FAQ
Questions people ask.
Does NoChurn submit disputes on its own?
No, unless you switch on auto-submit. By default an admin reviews the draft and submits it. Submitting is final, so NoChurn never does it behind your back.
Where does the evidence come from?
From what NoChurn already has on the customer: cancel flow answers, emails and reminders sent, invoices, usage you send by API, and conversations from your help desk if you connected one.
Can the AI make things up?
The draft is written only from the items in the evidence file, and each item links to its source. You read the full text before it goes anywhere.
What about Paddle or the App Store?
A merchant of record answers disputes itself, so NoChurn shows them read only. For App Store refund requests, NoChurn can send Apple the real usage data instead of a written reply.
Guides on chargebacks
All guides →- CHARGEBACKS
Billing descriptors: the cheapest chargeback prevention
How the text on a customer's card statement causes or prevents chargebacks: Stripe and Braintree descriptor rules, character limits and subscription examples.
6 min read
- CHARGEBACKS
Chargeback evidence checklist for SaaS
What evidence a SaaS business should collect and send for each chargeback type: terms, cancellation records, usage logs, IP and device data, and the packaging.
6 min read
- CHARGEBACKS
Chargeback ratio thresholds and card network monitoring programs
Visa VAMP and Mastercard ECP and EFM as documented in November 2026: how each ratio is calculated, the thresholds, the key dates, and what it means for you.
6 min read
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