Eliminate the manual work of disputes and chargebacks
A value-added solution on top of card processing, applied to the full disputes and chargebacks cycle powered by the same AI engine that drives CSU's services.
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Disputes, without the manual work
HAS handles the dispute routine. Your team handles what requires judgment.
Every dispute and chargeback case is automatically received, read, and classified by the system, by network and by case type.
The routine flow is executed end to end, from classification to case handling, with no manual intervention.
The exceptions that require judgment are routed to the right team. Everything else has already been resolved.
Automated dispute resolution, from the first case to the last.
Full chargeback cycle executed with AI, with fewer manual hours and less operational exposure.
Every stage of the cycle is handled automatically, from intake and classification to resolution and recording, across all supported networks.
Artificial intelligence reads, classifies, and routes each case with precision, eliminating the backlog created by manual processes and reducing classification errors.
Fewer manual touchpoints mean a lower cost per case and less pressure on teams during high-volume dispute periods.
Disputes and Chargeback by HAS operates directly on top of CSU's card processing layer, with no third-party middleware or custom integrations.
A complete history and documentation of each case is maintained automatically, meeting regulatory obligations and each network's dispute rules.
Fintechs
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Fintechs
Built on decades of dispute operations, not on a generic workflow.
The logic behind HAS was developed from years of operating disputes at scale. It reflects how the chargeback cycle actually works, from the inside.
HAS absorbs high case volume without requiring proportional team growth. Scale the card program without scaling the disputes back office.
Manual dispute handling introduces errors that turn into financial and regulatory exposure. HAS removes the layer where most of those errors originate.
Cases closed faster reduce friction with the cardholder and the secondary interactions that drive up operational cost.
It is not a generic engine applied to disputes. It is a solution built specifically for the chargeback cycle, with business rules that reflect the particularities of each network.
Frequently asked questions
Yes. It is a value-added solution that operates on top of CSU's card processing infrastructure.
The entire routine flow of disputes and chargebacks, from case intake and classification to handling and resolution. Your team receives only the exceptions that require human judgment.
HAS integrates natively with CSU's card processing layer. For external systems, integration is done via APIs.
AI classification reduces manual errors by more than 95%, based on CSU client operations. Low-confidence cases are routed to the team for review before any automatic processing.
Mastercard and Visa
HAS processes at scale with no loss of performance. Spikes do not require manual intervention or added staff.
Disputes and Chargeback by HAS is a specific application of the HAS engine for the card dispute cycle. HAS also automates other operational processes within CSU's services structure.
Speak with our specialists
Whether you are launching a new program or migrating your current operation, our team is ready to map out the right fit for your business.
Scale with the security, speed and infrastructure of your business demands
Our team of specialists is ready to deliver the solution for your business
