Case study · Fintech
polar night
Real-time chargeback defense across every payment provider: it never goes dark.
We designed and built a payments platform that watches a merchant's activity across every provider, catches card disputes the moment they appear, and resolves them automatically, before they ever become chargebacks. Concept to production in about four months.
polar night- Sector
- Fintech · payments
- Our role
- Product & platform: designed & built
- Coverage
- Every major PSP
- To production
- ~4 months
The challenge
By the time it's a chargeback, you've already lost.
Card disputes arrive scattered across every payment provider a merchant uses, handled late, by hand, one at a time. Each one that becomes a chargeback costs the sale and a fee, and pushes the merchant toward the dispute ratios card networks police, where penalties and processing restrictions begin.
The window to act is early, at the inquiry and alert stage, before a dispute hardens into a chargeback. But that window is invisible when your dispute data lives in a dozen different provider dashboards.
What we built
Defense that acts in real time, so you don't have to.
One view across every provider
A single real-time picture of disputes and risk across every payment provider a merchant uses, no more dashboard-hopping.
Catch disputes the moment they appear
Inquiries and pre-dispute alerts are detected in real time, the instant an issuer or card network raises them.
Zero-touch resolution
Each dispute is resolved automatically, refunded or contested, with no one working it by hand.
Evidence, assembled for you
Compelling evidence for legitimate transactions is gathered and submitted automatically, so winnable disputes actually get fought.
Protect your network standing
Disputes are cleared before they harden into chargebacks, keeping ratios below the limits card networks enforce.
See where disputes come from
Dispute volume, win rates, and risk trends across every provider, in one clear view, not a dozen exports.
The results
Disputes resolved before they ever become chargebacks.
- Real-time
- Defense across every major payment provider
- Zero-touch
- Disputes resolved with no manual handling
- ~4 mo
- From concept to production
polar night turns chargeback defense from a manual, after-the-fact chore into an always-on system, watching every provider, acting the moment a dispute appears, and keeping merchants within the chargeback ratios card networks enforce.
Have a fintech product that has to be right, and fast?
We build in regulated, high-stakes domains and ship to production, embedded like an internal team, owning it end to end.