Chargeback management for online and subscription merchants
Fight the chargebacks worth winning. Accept the rest.
Every chargeback gets its win odds and expected value after fees, from your own past cases. Evidence and the response letter are drafted for you to approve.
CB-10468 · already refunded95% · +$240.75
CB-10475 · not as described55% · +$113.00
CB-10477 · $39 fraud claimAccept · −$16.35
Expected recovery, cases worth fighting+$353.75
Your first report, in 10 minutes
Oyaka reads the reports you already have, matches every alert, refund, chargeback and deposit, and tells you what went wrong last month and what to fix first. After that, a new report arrives on the 3rd of every month.
Your August reportEXAMPLE MONTH
You lost $38,731 to chargebacks, 11.6% of card sales.Alerts that expired unworked185 of 206
Customers refunded twice7 · $1,439.93
Chargebacks lost, never answered108 · $19,962.26
Card network penalty$612.40
Deposits matched to the cent30 of 30 ✓
Work alerts twice a day, before they expire
Answer chargebacks already refunded, with the refund as proof
Ask your processor about the network penalty
How Oyaka fixes it
1See every caseDeadline, reason in plain English, and the sale's full story across your systems.
2Get a recommendationFight or accept, with the math: odds, amount, and the dispute fee.
3Approve and sendEvidence and letter are ready. Edit if you like, then submit.
Example month6 chargebacks in a day: fight 5, accept 1, expect about $450 back after fees
Pay a flat monthly fee, or only 15% of what we actually recover. No long contract.Illustrative example using typical fees ($30 alert, $35 chargeback, $30 dispute). Your results will vary.
Safe to connect
Full card numbers are never stored. Your bank connection is read-only. Everyone signs in with two-factor codes. How we protect your dataDo you fight pre-arbitration too?Yes. Oyaka tracks each stage and recalculates whether a second response is worth it, including the arbitration fee.
How long does setup take?About 10 minutes. Paste your NMI key, then connect your processor by key or by a daily report, and forward your alert emails.
What if my processor isn't listed?It still works. Upload or schedule its daily report, and Oyaka matches the columns once.
What does it cost?$299 a month up to $500K in card sales, $799 up to $3M, or 15% of what we recover. Your first report is free; you pay only when you subscribe, and access starts right away.