Now in early access for Shopify & Stripe merchants

Your margins don't leak during the month. They leak in the 96 hours after a dispute hits.

MarginPilot automates chargeback response for Shopify and Stripe merchants — from evidence gathering to decision logic to submission — so your ops team stops firefighting disputes and starts protecting profit. No win-rate hype. No black box. Just net recovery you can measure.

Start Free Risk Scan → Book a 20-min Demo

The risk scan needs zero live credentials. Provider auth happens later — on your timeline, not ours.

Executive-overview dashboard mockup generated for the fictional product

The Hidden Cost

Most DTC brands don't have a chargeback problem. They have a chargeback process problem.

The dispute itself is manageable. It's everything around it that eats your margin.

📧

Evidence Debt

Your best analyst spends Tuesday morning hunting for delivery confirmations across three carrier portals and a Shopify timeline that won't load past 90 days. By the time they compile the PDF, they've burned 45 minutes on a $42 dispute.

📊

Vanity Metrics

You report a 78% win rate to the board. What you don't report: the $3,400 in analyst hours, the $200 in alert subscriptions, and the 12 cases you won that still cost more to fight than to refund. Win rate is a vanity metric.

🔒

The Control Gap

Every automation tool asks for live credentials before you've seen a single recommendation. One wrong auto-response and you lose the case, the customer, and your team's trust. So you do nothing. And the leaks continue.

Before and after profit clarity comparison

There's a different way. It starts with a risk scan — no credentials, no commitment — and builds trust one stage at a time.

Rethink the Metric

You can win 8 out of 10 disputes and still lose money.

Here's the math most operators never run.

Disputes this month36

Won (75%)27

Analyst time per dispute (avg)38 min

Loaded hourly cost (analyst)$42/hr

Total analyst cost$912

Alert & tooling subscriptions$199/mo

Cases won that cost more to fight than refund4 cases

Reported win rate75%

Actual net recovery−$199

In the example scenario, that's a mid-volume Shopify brand running on spreadsheets, Gmail, and grit. They feel busy. They look effective. And they're losing money on disputes every single month.

MarginPilot doesn't optimize win rate. It optimizes net recovery — the dollar amount that actually lands back in your account after fees, labor, and opportunity cost. That's the number your CFO cares about. That's the number we surface.

The Trust Problem

"Automate my chargebacks" sounds great until the tool gets one wrong.

We've heard the horror stories. So have you. A competitor's auto-responder flags a legitimate dispute as "fight," submits template evidence that doesn't match the case, and the merchant loses a $340 chargeback plus a $25 fee — because a machine made a call no human reviewed.

That's not automation. That's abdication.

Traditional chargeback automation is a black box: case data goes in, a verdict comes out, and nobody can explain why. MarginPilot is a glass box. Every recommendation comes with a plain-English explanation. Every decision has a human override gate. And nothing — nothing — gets submitted until you or your team says yes.

You don't have to trust us. You get to verify every single call.

Connected ecommerce data sources flowing into MarginPilot

The Staged-Trust Model

You don't connect your store on day one. You scan, then decide.

Risk Scan

MarginPilot analyzes your dispute patterns using only aggregate data you provide.

No credentials needed

Provider Auth

Connect Shopify and/or Stripe via read-only OAuth. You control permissions.

Revocable anytime

Activation Gate

Billing AND provider auth must both be verified before submission is possible.

Hard gate — read-only until open

Live Operations

Decision Cards populate daily. Your team reviews, overrides, and approves.

No auto-submission. No credential wall before value is proven. No commitment without clarity. That's the staged-trust model — and it's the only way we build.

Capabilities

Six capabilities. One goal: turn disputes from a cost center into a recoverable asset.

🧠

Decision Card Engine

Every dispute gets a clear recommendation — Fight, Refund, or Manual Review — with plain-English reasoning beneath each one. No jargon. No guessing.

📋

Smart Evidence Assembly

Delivery confirmations, tracking logs, IP geolocation, and customer comms — auto-assembled into submission-ready evidence. Your analyst reviews and approves in under 5 minutes.

💵

Net Recovery Board

Gross recovery minus analyst costs, platform fees, and unrecovered amounts — the single metric your ops team and finance team can finally agree on.

👤

Human Override Gate

Every recommendation hits a review gate before submission. Approve, override, or escalate. Override patterns feed back into the engine — it learns your business logic.

🔗

Multi-Provider Sync

Shopify and Stripe, normalized into a single workspace. One view. One process. One recovery metric. No more toggling between dashboards.

🧾

Auditable Billing Ledger

Line-by-line billing ledger inside the workspace. Every charge tied to an operational record. Merchant-of-record billing. Your finance team can audit us anytime.

The Core Experience

"What do I actually do with this dispute?" — answered, in seconds.

The Decision Card replaces the three screens, two spreadsheets, and one frantic Slack thread your team uses today.

Case #MP-2847 Respond by July 8, 2026 · 5 days

Bloom & Branch Home

$147.32

Reason Code 10.4 — Other Fraud — Card Present

Recommended: FIGHT — 84% confidence

Why: Order #4821 shows delivery confirmation at the correct address (1420 Main St, Apt 3B, matching billing ZIP). Customer signature captured on delivery. Previous 3 disputes from this card issuer (Visa, BIN 4147) resolved in merchant's favor in the last 90 days. Evidence package auto-assembled — 4 documents, ready for review.

You don't need chargeback expertise. You need a recommendation you can verify in under 30 seconds.

The Metric That Matters

The number that replaces your win-rate spreadsheet.

Gross recovery tells you what you won. Net recovery tells you whether the fight was worth it.

June 2026 — Net Recovery

$2,847

↑ $410 vs. previous month

Gross Recovery$4,312

− Analyst Cost (22 hrs)−$924

− Platform Fee (Growth)−$299

− Alert Subscriptions−$199

− Unrecovered Fees−$43

Net Recovery$2,847

Recovery Efficiency: 66% Cases Optimally Routed: 31 of 44

This is the dashboard your CFO will actually want to see. No vanity. Just the dollars that came back, minus what it cost to get them.

Who It's For

Built for the people who feel chargeback pain first.

For Founders

You built the brand. You don't have time to review every $40 dispute. But you do need to know whether disputes are quietly eroding the margin you promised your investors. MarginPilot gives you the Net Recovery number in one glance — and ensures your team isn't burning hours on cases that cost more to fight than to refund.

Best fit: Growth ($299/mo)

For Heads of Growth / Marketing

Every dollar lost to an avoidable chargeback is a dollar you can't spend on acquisition. When your CAC is $45, a $147 dispute loss wipes out three customers' worth of acquisition spend. MarginPilot connects the dots between dispute recovery and marketing efficiency.

Best fit: Growth or Scale

For Finance / FP&A

Your ops team reports a 75% win rate. The P&L tells a different story. MarginPilot's Net Recovery Board gives you the real number — gross recovery minus fully loaded cost of response — so you can forecast accurately and budget realistically.

Best fit: Scale ($999/mo) for multi-brand

For Ecommerce Agencies

Your clients expect you to manage disputes across 6, 12, or 20+ stores. Spreadsheets don't scale. MarginPilot's multi-provider workspace lets you triage disputes across your entire portfolio from a single dashboard — with clean, auditable records for client pass-through billing.

Best fit: Scale — contact us for agency pricing

Comparison

What you're using now vs. what MarginPilot replaces.

Capability	Spreadsheets + Gmail	Analytics Dashboards	Agency / Manual Service	MarginPilot
Evidence assembly	Manual. Carrier portals, screenshots, PDF stitching.	Not available.	Agency does it — on their timeline.	Auto-assembled, submission-ready. Review in < 5 min.
Decision guidance	Analyst judgment only. No consistency.	Not available.	Varies by account manager.	Decision Card with plain-English reasoning. 84%+ confidence.
Net recovery tracking	If you built the formula yourself.	Gross recovery at best.	Agency reports — aggregated, often lagging.	Net Recovery Board: gross minus labor, fees, alerts. Real-time.
Human override	N/A — it's all manual.	N/A.	Requires a phone call.	One click. Audit trail logged.
Multi-provider	Two spreadsheets, two processes.	Separate dashboards.	Depends on agency. Often Shopify-only.	Single workspace. Shopify + Stripe normalized.
Billing transparency	N/A.	Opaque usage fees common.	Retainer + per-dispute. Variable.	Flat monthly. Merchant-of-record billing. Ledger in workspace.
Credential risk	High — spreadsheets shared, unsecured.	Medium — read-only dashboards.	High — agency has full store access.	Staged-trust: risk scan first, read-only OAuth after, submission only post-gate.
Setup time	Weeks of template-building.	Days of dashboard configuration.	Weeks of onboarding + transition.	Risk scan: 2 minutes. Full activation: under 30 minutes.

Model Your Return

Run your numbers. See the recovery swing. Then decide.

These numbers are directional — they're here to inform a conversation, not to promise an outcome. But they'll tell you whether MarginPilot is worth the next step.

Monthly disputes (avg)

Analyst minutes per dispute

Loaded hourly cost (analyst)

Current win rate (%)

Average dispute amount ($)

Estimated Monthly Results

+$471

Modeled net improvement / month

Current manual ops cost$931

Current net recovery (est.)$1,440

Modeled net recovery with MarginPilot$2,210

Modeled recovery swing+$770

Growth plan cost−$299

Modeled net improvement+$471

Directional estimate. Not a guarantee. Recovery outcomes vary by case specifics and card network rules.

Pre-fill risk scan from this model →

Your assumptions carry into onboarding. No credentials needed for the scan.

Pricing

Three plans. One metric that matters.

Starter

$99_/mo

Up to 50 disputes / month.
Early-stage brands validating the product.

✓ Decision Cards
✓ Smart Evidence Assembly
✓ Net Recovery Board
✓ Human Override Gate
— Multi-Provider Sync
✓ Auditable Billing Ledger
— Priority Support

Start Starter

For the person who needs to verify before they approve.

🔐 Security & Infrastructure

✓ All provider connections use read-only OAuth 2.0 — MarginPilot cannot modify your Shopify or Stripe configuration.
✓ Data encrypted in transit (TLS 1.3) and at rest (AES-256).
✓ Activation gate prevents any submission action until billing AND provider auth are both verified.
✓ Full audit trail: every recommendation, override, and submission is logged with timestamp and user identity.

💳 Commercial Transparency

✓ Billing runs through a merchant-of-record provider — MarginPilot never stores your payment method.
✓ Invoices generated by the merchant of record, accessible inside your workspace via the Billing Ledger.
✓ Flat monthly pricing. No usage-based fees. No per-dispute charges. No surprise overages.
✓ Cancel anytime before your next renewal date. Refunds on a case-by-case basis.

What we don't claim: MarginPilot does not claim PCI DSS Level 1 certification, SOC 2 attestation, or ISO 27001 certification at this time. If your procurement process requires these, contact us — we'll share our roadmap and current posture documentation. We'd rather be honest than impressive. Trust is built on accuracy.

Privacy Policy Terms of Service Refund Policy Security Overview support@marginpilot.example (fictional — not a real inbox)

FAQ

The questions you'd ask if we were in the room.

No. The risk scan uses only aggregate data you provide — store name, approximate monthly dispute volume, primary payment methods. Zero credentials. Zero OAuth. You see the recovery opportunity before you share anything sensitive.

No. And we'd be suspicious of any tool that does. Dispute outcomes depend on card network rules, issuing bank policies, and the specific evidence in each case — none of which any software can guarantee. What we do guarantee: MarginPilot will surface the net recovery metric so you know whether your wins are actually worth winning.

No. That's the entire point of the human override gate. Every recommendation is a recommendation — your team reviews, approves, overrides, or escalates every case before submission. Nothing gets sent without a human saying yes. Override patterns feed back into the engine, so it learns your business logic over time.

You override it. The case gets flagged with your override reason. Our support team reviews flagged overrides weekly to identify engine improvements. You are never locked into a recommendation you disagree with — and we use your override data to get better.

Yes. Cancel before your next renewal date and you won't be charged again. Your data remains exportable for 30 days after cancellation. No retention hostage situation.

Flat monthly fee based on your plan tier. No per-dispute charges. No usage-based overages. No "success fees" on recovered amounts. Billing runs through a merchant-of-record provider — your invoice comes from them, your payment method is stored by them, and your Billing Ledger inside MarginPilot maps every charge to an operational record.

We'll notify you before your renewal date with a plan recommendation based on actual volume. You can upgrade, stay on your current plan (disputes above the limit are flagged for manual-only processing), or cancel. No automatic overage billing. No surprise invoices.

Risk scan: 2 minutes. Provider auth (read-only OAuth): 5 minutes. Engine calibration (the tool ingests your historical disputes to tune recommendations): 15–30 minutes, during which you can keep working normally. Full activation gate: under 30 minutes total. Your first Decision Cards populate within hours of activation.

MarginPilot currently integrates with Shopify Payments (including Shop Pay) and Stripe. PayPal dispute integration is on the near-term roadmap. If your dispute volume is primarily through a marketplace (Amazon, Walmart) or a processor not listed, contact us — we'll tell you honestly whether we're a fit today or worth revisiting in 3–6 months.

Next Step

You've seen the argument. Now see the product.

Your demo includes a guided walkthrough of the Decision Card engine, a look at the Net Recovery Board, and a pre-call risk scan based on your actual dispute volume. Show up with your numbers — we'll show you the recovery opportunity.

→ Model Your ROI First → How It Works

Book a 20-Minute Demo

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The risk scan requires no live credentials. Provider auth happens later, on your timeline. Nothing gets submitted without your explicit approval. That's the staged-trust model — and it's the only way we build.