You win the dispute.
You keep the money.
Automated chargeback recovery for 15% of what we win — not 25–35%. And we'll tell you when not to fight.
Not ready to connect? Get your free Dispute Readiness Score →Five products. One connection.
Your terms are evidence. Make them winning evidence.
A free audit of your checkout and billing setup against what card networks actually check.
Every dispute answered. Every deadline met. Automatically.
Evidence built from device, delivery, usage and conversation history. Submitted in hours, not days.
We'll tell you when NOT to fight.
Fighting an unwinnable dispute costs you twice. Every dispute gets a verdict, not a reflex.
Get paid today. The dispute becomes our problem.
A chargeback locks your money for 60–90 days — even when you win. For qualified disputes, we pay same day.
Know exactly how far you are from the line.
A live ratio gauge against your platform's threshold, with proactive actions to stay under it.
Your terms are evidence. Make them winning evidence.
Card networks check your checkout, your refund policy, and your billing descriptor before they read a word of your response. Get your free readiness score and the exact fixes — before your next dispute.
We audit and fix your terms for free — because we only earn when you win.
your next dispute
Say you win back $100,000 in disputes this year.
Here's the bill from each of us.
Five steps. Zero missed deadlines.
Which one is you?
I sell physical products.
Item shipped. Money gone. Fee on top.
See the DTC page →
I sell digital products & communities.
One bad month can end your account.
See the digital page →
I run a SaaS.
Stripe wants 30% to fight for you.
See the SaaS page →
I run a crypto platform.
An irreversible asset for a reversible payment.
See the crypto page →Straight answers.
We record device, delivery, and usage data from the moment you connect. The response is built from facts, not from a template.
On Pay As You Go: no win, no fee. The processor's own fee is charged either way — which is exactly why Fight or Fold exists, to steer you away from disputes not worth fighting.
Because your dispute ratio is worth more than any single dispute. We earn over the long life of your account, not on every brawl.
Competitors charge 25–35% because evidence used to be manual work. Ours is built from data we already collect from your store — the marginal cost of fighting one more dispute is near zero. We price like software, not like a law firm.
No. We buy the dispute outright. If we lose, that's our loss, not your debt.
Connect in one click. First dispute handled the same day.
No. Read-only access to order data, plus submit access for dispute responses.
You win the dispute. You keep the money.
Connect in one click. First dispute handled the same day.