# Dispute Automation Engine (https://docs.chargeflow.io/docs/reference/concepts/dispute-automation)



An agentic dispute automation engine that ingests your disputes, builds and submits responses, and tracks each case through its lifecycle.

This page is the API-level view: the pipeline as an integrator meets it. For the architecture behind it, read [How recovery works](https://docs.chargeflow.io/docs/reference/concepts/how-recovery-works) and [How our AI works](https://docs.chargeflow.io/docs/reference/concepts/how-our-ai-works).

## How it works [#how-it-works]

Get up and running in minutes: create your account, connect your PSPs and business tools, and you are ready to go. Here's the full pipeline:

| Step                                            | What happens                                                                                        |
| ----------------------------------------------- | --------------------------------------------------------------------------------------------------- |
| **1. Ingest**                                   | Chargeflow automatically ingests 100% of your disputes from connected PSPs.                         |
| **2. First Enrichment**                         | Chargeflow's Enrichment Engine pulls case-relevant signals to strengthen the evidence set.          |
| **3. Second Enrichment** *(optional)* | You add targeted signals via the Update Dispute API endpoint.                                       |
| **4. Generation**                               | Chargeflow's AI agents compile a challenge strategy and compose the response.                       |
| **5. Submission**                               | Chargeflow submits the generated response back to your PSP.                                         |
| **6. Monitor**                                  | Chargeflow updates the dispute throughout its lifecycle so you can track progress programmatically. |

<Callout type="idea" title="Tip">
  Start automation in minutes, then improve outcomes by sending targeted enrichments to the API.
</Callout>

## How the engine wins disputes [#how-the-engine-wins-disputes]

Chargeflow orchestrates multiple agentic layers to assemble the dispute response from the data you and Chargeflow provide. You can improve outcomes by sending targeted enrichments to a single API endpoint.

**Agentic automation**
Chooses what evidence to generate and how to present it based on available signals, historical data, network requirements, and domain intelligence.

**Simple integration**
One endpoint for enrichments; minimal payloads focused on what actually moves win rate.

**Data network effects**
Chargeflow augments your inputs with internal models (when available) to strengthen the case.

<Callout title="Note">
  Chargeflow partners with leading data-enrichment providers and uses internal models to enhance
  evidence and increase the likelihood of a win.
</Callout>

## Control and transparency [#control-and-transparency]

You stay in control of your automation strategy and evidence at every stage.

* **Your data, end-to-end**: Fetch the complete, normalized dispute record, including Chargeflow-added enrichments, via a single retrieval endpoint for your own systems and BI.
* **Override or provide**: Provide (or override) signals per dispute; the response is adapted accordingly.
* **Clear status**: Programmatic access to lifecycle status, evidence artifacts, and submission history.

## Privacy and security [#privacy-and-security]

Chargeflow treats privacy and security as first-order features - data is minimized, segmented, and partner enrichments are clearly labeled. The compliance posture (SOC 2 Type II, GDPR) and data-handling detail are covered canonically in [Security](https://docs.chargeflow.io/docs/reference/security).

## Next steps [#next-steps]

<Cards>
  <Card title="Automate Dispute Management" href="/docs/merchants/automation/automate-dispute-management">
    The step-by-step guide to the automation flow.
  </Card>

  <Card title="Enrich a Dispute" href="/docs/merchants/automation/enrich-a-dispute">
    Send targeted signals that move win rate.
  </Card>

  <Card title="Subscribe to Webhook Events" href="/docs/merchants/automation/subscribe-to-events">
    Trigger your enrichment flow on `dispute.created`.
  </Card>

  <Card title="Chargeback Lifecycle" href="/docs/reference/concepts/chargeback-lifecycle">
    Understand the stages a dispute moves through.
  </Card>
</Cards>