Keep 100% of
what you win.
Flatfight builds your Stripe dispute responses from evidence Stripe can't see: your logins, usage logs and support emails. You pay one flat monthly price. Never a percentage of what you recover.
No card to start · Nothing submitted without your click · Hosted in the EU
Fraudulent · Visa 10.4 · due in 2 days
$1,499.00
- +3Paid with 3D Secure
- +214 logins after purchase, same IP
- +2Kept using the course after disputing
- +22 earlier payments, same card, undisputed
Case strength · strong
30%
of every dispute Stripe Smart Disputes wins is kept as its fee.
25%
of every chargeback Chargeflow recovers is kept as its fee.
0%
is what Flatfight takes from a win. One flat price, whatever you recover.
The math
What a percentage really costs you.
Move the sliders to match your business. The bigger your wins, the more percentage pricing takes.
Use your real Stripe numbersSmart Disputes (30% of wins)
$720
$8,640 / year
Flatfight Starter
$49
$588 / year
You keep an extra, every year
$8,052
Assumes the same wins either way; we don't promise a win rate. The Flatfight plan is picked from your volume. Stripe's $15 counter fee applies either way and is refunded when you win.
How it works
From dispute to submitted evidence in minutes.
-
01
Connect Stripe
Install the Flatfight Stripe App and approve a short permission list. We import your last 12 months of disputes.
-
02
Add what Stripe can't see
Send logins and usage from your product through our API or a CSV, and add your refund and cancellation policies once.
-
03
Review and submit
Every new dispute gets a fact-checked evidence package and an honest score. Approve with one click, or accept weak cases.
Why it wins
Evidence Stripe can't see.
Card issuers decide on proof. Logins, downloads and lessons completed after the purchase, from the same IP and device as checkout, are exactly what "fraudulent" and "product not received" claims fall apart on. Your product has that proof. Your payment processor doesn't.
| Time (UTC) | Event | IP |
|---|---|---|
| 2026-09-04 23:37 | purchase | 198.51.100.20 |
| 2026-09-05 08:12 | login | 198.51.100.20 |
| 2026-09-06 19:40 | lesson_completed | 198.51.100.20 |
| 2026-09-13 21:02 | download | 198.51.100.20 |
| 2026-09-28 07:55 | login | 198.51.100.20 |
Same IP as checkout · 4 events after purchase
AI that can't make things up
Every sentence cites the facts it uses. Anything that doesn't check out is thrown away.
Honest case scores
Strong, medium or weak, with the reasons. Weak cases get a recommendation to accept and save the $15 fee.
Visa CE 3.0, verified
Earlier undisputed payments on the same card, matched only on identifiers we can prove.
Issuer-ready PDFs
Receipt, activity log, policies and messages within Stripe's size and page limits.
Compared
Same fight. Different bill.
Published pricing as of 2 October 2026 (Stripe, Chargeflow). Stripe's own dispute fees apply with every option.
| Flatfight | Stripe Smart Disputes | Chargeflow | |
|---|---|---|---|
| Fee on a won $1,000 dispute | $0 | $300 | $250 |
| Monthly fee | $49 to $149, flat | None | None for dispute automation |
| Evidence it uses | Stripe data plus your product's usage logs, policies and messages | Data Stripe holds | Integrations with shops, carriers and helpdesks |
| Before it reaches the bank | You approve, or autopilot for strong cases only | Submits automatically unless you act | Automated |
| Best for | Digital businesses on Stripe with real ticket sizes | Occasional, low-value disputes | Physical goods, many processors |
You stay in control
Nothing goes to the bank without your click.
Draft-and-approve is the default. Every submission is in an audit log you can read. If you want it, autopilot submits only strong cases 48 hours before the deadline.
How we protect your dataEncrypted credentials
Stripe tokens and keys are encrypted at rest and never logged.
Minimal permissions
Read what disputes need, write disputes and evidence files. No payouts, charges or refunds.
EU hosting
Servers in Helsinki, Finland. Operated by Dripwork, a Finnish business.
Full audit log
Who submitted what, when and with which evidence.
Pricing
One flat price.
Every win is yours.
14-day free trial on every plan. No card to start. Cancel any time.
Starter
For businesses with a few disputes a month.
$49/ month
- Up to 10 disputes a month
- 0% of anything you win
- Evidence from your activity data
- Fact-checked AI summaries and PDFs
- Draft-and-approve or autopilot
- Email alerts before every deadline
Growth
Most popularFor growing subscription and course businesses.
$99/ month
- Up to 40 disputes a month
- 0% of anything you win
- Evidence from your activity data
- Fact-checked AI summaries and PDFs
- Draft-and-approve or autopilot
- Email alerts before every deadline
Scale
Unlimited disputes for high-volume merchants.
$149/ month
- Unlimited disputes
- 0% of anything you win
- Evidence from your activity data
- Fact-checked AI summaries and PDFs
- Draft-and-approve or autopilot
- Email alerts before every deadline
Prices in USD, excluding applicable taxes. Flatfight is made by Dripwork (Oulu, Finland). Payments are processed by Link, a Stripe company, as reseller; your card statement will show LINK.COM* FLATFIGHT.
Does Flatfight submit anything without my approval?
No. By default every evidence package waits for you to click Submit. You can turn on autopilot, which submits only strong cases 48 hours before the deadline, and you can turn it off any time.
Do I need to turn off Stripe Smart Disputes?
Turn off Smart Disputes auto-submission in your Stripe dispute settings. Otherwise Stripe may submit its own packet before you do, and evidence can only be submitted once. Flatfight warns you when Stripe is about to auto-submit.
How is Flatfight different from Chargeflow?
Chargeflow charges 25% of each chargeback it recovers and covers many platforms, including physical-goods stores. Flatfight charges a flat monthly fee, works only with Stripe, and is built for digital businesses whose best evidence is their own usage logs. Our comparison page covers when Chargeflow is the better choice, too.
What does Flatfight access in my Stripe account?
Read access to disputes, charges, customers, invoices, subscriptions, products and checkout sessions, plus write access to disputes and evidence files. No payouts, balances, charges or refunds. The full list with reasons is on our security page.
Does the AI make up evidence?
No. Claude only sees the facts we gathered, every sentence must cite them, and a fact checker rejects anything that doesn't match. If it fails, we use plain template text built from the same facts.
What if a case is weak?
We score every case and tell you when a win is unlikely. Accepting can save Stripe's $15 counter fee, which is refunded only when you win.
Do you guarantee I'll win?
No one can: the card issuer decides every dispute. We make your evidence as complete and clear as your data allows.
Who is Flatfight for?
Digital businesses on Stripe with meaningful ticket sizes: annual SaaS plans, online courses, coaching and agencies. If one won dispute is worth more than a month of Flatfight, the math works.
Where is my data stored?
On servers in Helsinki, Finland (EU). Flatfight is operated by Dripwork, a Finnish business. You can export or delete your data at any time.
Stop paying a cut
of your own money.
14 days free · no card