Chargebacks911 and its sister company, Fi911, announced the official launch of their Unified Dispute Management System (UDMS)—the first Disputes-as-a-Service (DaaS) platform of its kind that unifies dispute-related data and workflows, providing a configurable interface for merchants, acquirers, payfacs, fintechs, issuers, and their customers, through a single-source platform. UDMS eliminates the industry’s long-standing data silos, providing real-time transparency, agentic AI tools, self-service automation, and instant collaboration across the payments ecosystem that works to improve and safeguard dispute and transaction integrity.
For decades, disputes have been fragmented, inefficient, and costly, forcing every party to work with disconnected systems, manual processes, and conflicting data. UDMS changes that by acting as an overlay to existing infrastructure, enabling banks and payment providers to manage every dispute type in one place, without costly integrations, professional-service fees, or additional software.
“We believe in dispute equality. By removing the barriers to entry and maintaining a truly agnostic approach, UDMS gives every stakeholder in the payment chain access to the same enterprise-level tools, providing unmatched visibility and an equal voice,” said Monica Eaton, Founder and CEO of Chargebacks911 and Fi911. “The industry has struggled to keep pace with growing complexities and fragmented systems that were never designed for today’s challenges. UDMS unifies issuers, acquirers, and merchants with one transparent system, so everyone sees the same truth in any given transaction—problem solved.”
Disputes-as-a-Service: simplifying a broken system
UDMS introduces the first Disputes-as-a-Service model—a cloud-based platform that replaces manual chargeback management with unified, automated workflows. The solution is already being adopted by issuers, acquirers, fintechs, and travel networks seeking to streamline dispute handling and protect revenue across card and alternative payment rails.
Key features include:
- Unified Data Exchange – Issuers, acquirers, and merchants exchange case data through multiple (existing) means..
- Plug-and-Play Integration – Works as an overlay with no system replacement required.
- Configurable Self-Service Tools – No engineers or black-box tech needed.
- Transparent Pricing – Subscription-based with no hidden fees or professional-service add-ons.
- Always Evolving – Continuous feature upgrades and rule updates are included for all users.
Built for the Entire Payments Chain
Already operating some of the world’s largest dispute management systems—including the latest version supporting the travel industry, Sabre Direct Pay—UDMS was designed to serve every participant in the dispute lifecycle, from top-tier issuers and acquirers to payment platforms, fintechs, and merchants. UDMS enables financial institutions to seamlessly support an array of hierarchies. With its configurable, plug-and-play workflows and connections, clients can leverage self-onboarding options for their customers, and white-labelled value-added services—all without any technical integration or extensive migration plan.
“UDMS was built to solve dispute problems for the largest and most complex enterprise institutions,” said Donald Kossmann, Chief Technology Officer at Chargebacks911. “We don’t just follow the same approach that has failed before in a better way. We rethink and simplify complex problems and scale the solution. Dispute resolution should be as frictionless and fast as the experience of making a purchase. And it should be as transparent and have the same integrity as if an independent judge had looked at it.”
For smaller merchants, UDMS offers self-registration and real-time notifications free of charge, with optional premium tools for responding, uploading representments, and managing cases directly, features that previously required a significant investment and ongoing technical integrations and manual rule updates.
Additionally, UDMS also provides functionality as a standalone solution, providing turnkey purchase protection for real-time payments, ACH, digital currencies, loyalty payments and other alternative payment methods.
A category-defining moment
Built on more than a decade of Chargebacks911’s global expertise, UDMS marks a pivotal step in redefining dispute management as a shared, transparent process rather than a fragmented burden. The platform is already being leveraged by early adopters across fintech, travel, and digital banking, demonstrating measurable gains in dispute speed, accuracy, and cost reduction.
