Run disputes reliably across programs without custom logic orescalating support burden
Efficio is a Dispute Operations OS that sits above processing rails, enabling issuer processors to run disputes at scale with or for their clients. It replaces one-off workflows with structured decisioning, visibility, and full auditability.
Simplification
One dispute operating model instead of per-client custom logic
Faster Work
Cases move through structured workflows rather than manual coordination
High Visibility
Program-level view of exposure, SLA risk, and root causes
Better Efficiency
Support burden falls as clients self-serve within a governed system
33
94.7%
5
34
7d
10.9m
Avg Handle Time
iMinutes
Disputes by reason
iPercentage
- 78.9% Unauthorized
- 8.3% Error
- 8.7% Merchant
- 4.1% ATM
SLA
i% of cases meeting SLA
Resolved disputes by agent
iDispute count
Values
Control-First automationfor Dispute Operations
Efficio puts humans in control and lets automation and AI expand safely based on your risk appetite, regulatory requirements, and customer experience goals.
Automate what's clear-cut
Automate straightforward, black and white cases. Reduce manual effort and free your teams from repetitive work
Channeled human effort
Route complex or sensitive disputes for human (agent) review with full context and AI-supported recommendations
Learn from every dispute
Feed back every outcome into the system to improve workflows, scale automation, and generate intelligence for your upstream risk controls
Join issuer processorssafeguarding billions.
Join the world's top issuer processors protecting billions in assets with Efficio.