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Cellix AI — Included in Pro

Know which disputes to fight —
before you spend a dollar.

Cellix AI scores every dispute with a 10-factor model, calculates expected value, and tells you exactly which to fight, accept, or prevent.

The Problem

Most merchants fight disputes blindly.

Without data, you're guessing which disputes to contest. You waste time on unwinnable cases and miss the ones you should fight.

Revenue lost to bad decisions

Fighting every dispute costs time and fees. Accepting every dispute leaves recoverable revenue on the table. Without scoring, you can't tell the difference.

Hours wasted on evidence

Building evidence packages manually for each dispute is slow and error-prone. By the time you respond, the deadline is often close.

No learning from outcomes

Win or lose, most merchants never feed dispute outcomes back into their process. The same mistakes repeat month after month.

Dispute Intelligence

Score. Decide. Defend. Learn.

Four capabilities that turn dispute management from guesswork into a data-driven operation.

10-Factor Scoring

Every dispute gets a transparent score based on dispute type, amount, evidence strength, historical win rate, customer history, and more. No black boxes.

  • Transparent scoring with weighted factors
  • Expected value calculation on every dispute
  • Scores update as new data arrives

FIGHT / ACCEPT / PREVENT

Cellix AI doesn't just score — it tells you what to do. Fight when you'll likely win. Accept when it's not worth the cost. Prevent when it's a pattern.

  • Clear action recommendation per dispute
  • EV-positive fight threshold logic
  • Prevention signals for recurring patterns

Evidence Assembly

Cellix AI automatically extracts and organizes evidence from your transaction data, shipping records, and customer interactions into submission-ready packages.

  • Auto-extracted from your payment processor data
  • Reason-code-specific evidence templates
  • One-click export or auto-submit (Enterprise)

Outcome Learning

Every dispute outcome — win or loss — feeds back into the scoring model. Cellix AI continuously calibrates to your specific dispute patterns.

  • Win/loss tracking with reason code analysis
  • Scoring accuracy improves over time
  • Recovery analytics and P&L reporting
Data Enrichment

Richer data. Stronger evidence.

Cellix AI automatically enriches every dispute with transaction metadata, customer history, and processor-specific signals — giving you evidence competitors can't match.

Customer History

Purchase frequency, lifetime value, previous disputes, and refund history pulled from across all connected PSPs.

Device & 3DS Signals

3D Secure authentication results, device fingerprints, IP geolocation, and AVS/CVV match data strengthens compelling evidence.

Shipping & Delivery Proof

Auto-linked tracking numbers, delivery confirmations, and signature proofs mapped to each transaction.

Enrichment Score
Transaction metadataMatched
Customer history (12 orders)Enriched
3DS 2.0 authenticationVerified
Delivery confirmationSigned
AVS / CVV matchFull match
Evidence strength92/100
Template: Product Not Received (10.4)
Customized
Compelling Evidence
Transaction was authenticated via 3DS 2.0 (liability shift). Delivery confirmed with signature at {delivery_address} on {delivery_date}.
Customer History
Customer has {order_count} previous orders with {dispute_count} prior disputes. Lifetime value: {ltv}.
Shipping Proof
Tracking #{tracking_number} via {carrier}. Delivered and signed by {signee_name}.
Template Customization

Your playbook. Your templates.

Pre-built templates for every major Visa and Mastercard reason code, fully customizable to match your business. Dynamic variables auto-populate with enriched data from each dispute.

  • Pre-built for all major reason codes (10.4, 13.1, 4837, etc.)
  • Dynamic variables auto-filled from enriched data
  • Clone, customize, and version your templates
  • Evidence packages ready in seconds, not hours
How It Works

Three steps. Zero guesswork.

1

Connect Your Processor

Cellix AI activates automatically when you subscribe to Pro. Your disputes flow in through Cellix AI from any connected processor — no extra setup.

2

Disputes Get Scored

Every incoming dispute is scored with the 10-factor model, given an expected value, and tagged with a FIGHT, ACCEPT, or PREVENT recommendation.

3

Take the Right Action

Review the recommendation, download the evidence package, and submit your response. Over time, outcomes refine the model for your business.

By the Numbers

Built for merchants who fight to win.

10
Scoring factors per dispute
7
PSPs connected
50+
Reason code templates
<5s
Evidence package generation

Stop guessing. Start winning the right disputes.

Cellix AI is included in the Pro plan. Connect your payment processors and start scoring disputes in minutes.

Start Free Trial → Get a Demo