OneAI
Use case · Chargeback management

Stay off card-scheme watchlists.

OneAI monitors chargeback and fraud ratios per MID against VDMP, VFMP, ECP, and EFM thresholds — and proposes reserve and policy adjustments before the scheme flags you.

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Outcomes

What you get.

Ratios in view daily

Per-MID and per-portfolio ratios visible in one dashboard your CCO trusts.

Reserves under control

Hold, release, and adjust reserves per merchant with maker-checker.

Alert before the scheme does

Threshold breaches surface hours after the transaction, not weeks later on a scheme letter.

SAR-ready evidence

Every chargeback and case is exportable in a regulator-ready pack.

Workflow

Alert to close, on rails.

  1. 01
    Chargebacks ingested
    Scheme, reason code, cycle, and lifecycle state on every dispute.
  2. 02
    Ratios computed
    VDMP, VFMP, ECP, EFM ratios per MID, rolling window and cycle.
  3. 03
    Threshold alert
    Alert with the specific rule, current value, and the trailing history.
  4. 04
    MID Governor proposes action
    Reserve hold, threshold change, or descriptor lock — versioned, with reasons.
  5. 05
    Maker-checker approves
    Analyst proposes, team lead approves, audit trail written.
  6. 06
    Regulator-ready pack
    One-click export of the full dispute + case history.
Features involved

The platform surface behind this.

Chargeback governance

Per-MID and per-portfolio ratio monitoring.

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MID Governor

Autonomous MID-level policy with maker-checker.

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Reserves

Configuration, holds, and payback schedule per merchant.

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Ready to see it live?

30-minute walkthrough on your merchant data.

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