We built a dispute system because I watched a founder almost lose his Stripe account over 6 chargebacks.
He had no idea his dispute rate was creeping toward 0.75%. That's the threshold where Visa flags you under their Early Warning Program. Above 1%? Mastercard considers it excessive. Once you're in that territory, card networks can shut down your ability to take payments entirely.
Not "pause." Shut down.
He found out when Stripe sent him an email. By then, three disputes already had expired deadlines, money gone, no chance to fight back.
That conversation is why we built the dispute system inside Recurflux.
Here's what it actually does:
Pulls in your last 90 days of disputes the moment you connect Stripe, and watches for new ones in real-time via webhooks
Tracks your dispute rate daily, alerts you at 80% of the danger threshold, before you're actually in trouble
Fires a spike alert if 3+ disputes land within 24 hours, because a sudden burst usually means one specific thing went wrong that you can fix fast
Submits evidence to Stripe with one click, customer name, plan, payment history, every dunning email sent/opened/clicked, every retry attempt, all pre-packaged
Detects friendly fraud by checking 4 signals: did they open emails after the charge, did they log into the billing portal, did a retry actually succeed, have they never disputed before
That last one matters more than people think. Friendly fraud, where a customer disputes a charge they actually authorized, accounts for a significant chunk of SaaS chargebacks. When you can show a bank "this person opened 3 of our billing emails and logged into their portal 2 days after the charge," that's real evidence.
What used to take 30 minutes of manual copy-pasting per dispute is now one button.
And the rate monitoring piece is the thing I'm most proud of, because most founders don't even know their dispute rate until it's already a problem. Below 0.40% you're safe. Between 0.65–0.75% Visa has already noticed you. Above 0.75% you're in the Standard Program with account termination on the table.
Recurflux shows you exactly where you sit, every day.
Still early, still building. If you're running a SaaS on Stripe and you've ever had a chargeback land on a Friday afternoon with a 7-day response window you know exactly why we built this.
Happy to answer questions or hear what you wish existed for disputes.
This is a strong wedge because the pain is not “handling disputes.”
It’s protecting payment access before the founder realizes the account is at risk.
That makes Recurflux more serious than a billing add-on. It’s closer to risk infrastructure for Stripe-based SaaS.
Only thing I’d question is the name.
Recurflux sounds tied to recurring billing flow, but the product you described is moving toward dispute risk, payment defense, and revenue protection.
That may outgrow the current frame.
Davoq.com or Exirra.com would carry that infrastructure / risk layer much better if you ever want this to feel less like a feature and more like a category.