We specialize exclusively in the resolution of disputes with payment processors.
If you decide to use our services, you will benefit from our extensive experience and carefully designed strategies on how to approach different types of issues. If you use the “do it yourself approach”, you may still succeed, but you may waste a lot of time in learning various lessons. For example, you may not contact the right legal entity and the right department, which may delay the resolution of your issues with months.
The specifics of our process for recovering funds from payment processors are confidential and constitute a trade secret. We can, however, provide a brief explanation of the process so that you can understand it better. Since we have extensive experience in resolving disputes with payment processors, we are in contact with the dispute resolution departments of the relevant payment processors and know exactly whom to contact and what to say to that person. We rarely deal with support clerks that will provide us with “copied / pasted” generic responses. We usually directly escalate the matter to a high-level officer at the organization concerned.
Furthermore, our legal team is familiar with the laws of the countries where the major payment processors are based and will include in the legal letters which we will send to those payment processors legal threats based on the applicable laws and regulations. In many cases, the initial legal letter which we will send to the payment provider will be either (i) a pre-trial letter or (ii) a legal letter preceding the submission of a complaint to the relevant regulator. Payment processors may be scared of such letters because of the possibility to be subject to fines, litigation proceedings, or even bad publicity.
In some cases, we submit our legal letters by both post and email in order to ensure that they will reach the recipients. We know that some specific payment processors rarely or almost never reply to emails and a regular paper letter may be particularly beneficial.
We are not magicians and, unfortunately, we cannot resolve all disputes with the payment processors amicably. If someone promises you to resolve every dispute with a payment processor, please exercise caution as there are many fraudsters on the Internet. The peaceful resolution of a dispute with a payment processor requires the payment processor to consent to our demands. We have no mandate to force the payment processor to do what we want and, in many cases, the parties reach an impasse (a situation in which no progress is possible). When this happens, we can contact the local regulator in the country where the payment processor is based. Please note that some payment processors have subsidiaries in different regions and each of those subsidiaries is responsible for customers from a specific region. We are aware of exactly which subsidiary we need to contact in your case. In some cases, it may be beneficial to contact the ombudsman in the jurisdiction where the payment processor is based. The ombudsman may investigate the matter in detail and provide recommendations which are often followed by their recipients.
If the complaint to the regulator does not work, we will refer you to a lawyer in a relevant jurisdiction who can initiate court proceedings. We have a large network of professionals and many of them will be glad to take your case. The payment terms and other terms regarding your engagement of a lawyer will be agreed upon by you and the respective lawyer. Please note that litigation proceedings are usually slow and expensive and there is no guarantee of success. Therefore, it is preferable to use them as a last resort.
Be transparent, objective, and fair with our clients.
When analyzing the factual situation of our clients, we may conclude that they have a high or a low chance of success. We often tell to our clients their chances in order to allow them to make informed decisions. We do not hesitate to tell to our clients that their chances are low (e.g., 10%). This does not directly benefit us financially as it may persuade the clients not to use our services, but by being honest and transparent we keep our existing clients and build a trusted relationship with them.