Chargebacks911 and its sister firm, Fi911, announced recently the official launch of their Unified Dispute Management System (UDMS)—which is described as the first Disputes-as-a-Service (DaaS) platform of its kind that brings together dispute-related data and workflows, offering a configurable interface for merchants, acquirers, payfacs, fintechs, issuers, and their customers, via a single-source platform.
UDMS reportedly aims to eliminate the industry’s data silos, providing real-time transparency, agentic AI tools, self-service automation, and instant collaboration across the payments ecosystem that works to enhance and safeguard dispute as well as transaction integrity.
For a long time, disputes have been mostly fragmented, inefficient, and costly, leading to every party to work with highly disconnected systems, tedious manual processes, as well as conflicting data. UDMS claims that it 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.”
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 aiming to enhance dispute handling and “protect revenue across card and alternative payment rails.”
Operating some of the 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 FIs to support a range 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.”
For smaller merchants, UDMS provides self-registration and real-time notifications, with optional tools for responding, uploading representments, and managing cases directly.
In addition to this, UDMS offers functionality as a standalone solution, providing purchase protection for real-time payments, ACH, digital currencies, loyalty payments and various alternative payment methods.
Built on Chargebacks911’s expertise, UDMS marks a key step in redefining dispute management as “a shared, transparent process rather than a fragmented burden.”
The platform is being leveraged by adopters across fintech, travel, and digital banking, demonstrating gains in dispute cost reduction.