For merchants using chargeback alerts
Refunded after an alert, and still charged back?
That's paying twice: the refund, the chargeback, a $35 chargeback fee and the $30 alert. Oyaka catches it before it happens, and gets the alert fee back when it doesn't.
Ethoca alert fee−$30.00
You refund the customer (as intended)−$285.00
Chargeback arrives anyway−$285.00
Chargeback fee−$35.00
Extra cost beyond the refund−$350.00
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
1Alert arrivesIt shows on Today, matched to the sale, with the amount at stake.
2Refund in one clickStraight from the alert, through your gateway.
3Reminder to mark itIf Kount isn't updated within 2 hours, you get an email.
4Fee back if it failsOyaka flags alerts that didn't stop a chargeback and prepares the credit request.
Example month14 refunded alerts that still became chargebacks: $4,900 lost in a month
That's 14 × $350 in duplicate refunds and fees, the pattern Oyaka was built to catch. Our first merchant found it in its own books every week.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 dataDoes it work with Kount, Verifi and Ethoca?Yes. Kount alerts arrive by email forwarding today, including RDR, CDRN and Ethoca. Other providers work by email or report upload.
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.