QFD® • AI-POWERED DISPUTE MANAGEMENT

Stop losing disputes you should be winning

QFD® runs every dispute in one platform, from first report to final recovery. Our AI learns from 25M+ disputes a year, so more of every disputed dollar stays with you.

Decisions backed by outcomes. Every claim is scored against how similar disputes actually resolved, not a generic rule set.
Direct to the networks. No processor markup every time a claim is touched, and no chargeback rights lost in a handoff.
Your team works the exceptions. Reg E and Reg Z timing runs on rules you configure. The rest runs itself.

Case queue

Auto-resolved today 142

Needs review 12

#48291 $412.08

Mobile app

Auto-resolved

#48287 $1,208.50

Call Center

Needs review

#48265 $540.00

Branch

In progress

TRUSTED BY BANKS, CREDIT UNIONS, AND FINTECHS

issuers and programs
running on QFD

M+

recaptured for clients
(full year pace)

$ B

recovered for fraud victims
(full year pace)

$ M

WHAT MAKES QFD DIFFERENT

End-to-end dispute management on one AI-powered platform

Every step runs on world-class dispute data. In most dispute systems a claim is routed to an individual, and from there it moves only as fast as that person can get to it. In QFD the work moves on its own. AI pulls the evidence, applies the rules that govern that payment type, tracks what is owed and when, and carries the case as far as it can go before your team steps in.

Everything you promised the cardholder actually happens

Most systems turn these steps into tasks for your team. QFD does them: provisional credit, fee and interest reversals, card reissue, credit bureau flags, and the required regulatory letter. Your agents stop fielding “did it happen?” calls.

The right rules for every payment type, not card rules for everything

Most systems force every claim through a card dispute workflow. QFD applies the requirements and deadlines that actually govern each one, from ACH and wire to real-time, person-to-person, ATM, and checks. It will even open a dispute on a transaction that has not posted yet, then attach the posting when it lands.

Intake built for what the chargeback will need

The questions work backward from what the networks require to file and what an investigator needs to close, so answers are captured while you still have the cardholder. Fewer callbacks, claims categorized right the first time, and a complete file for the AI to score from  day one.

AUTOMATION AND AI

A disputes company that built AI, not the other way around

Volume alone does not make AI accurate. After 10 years of working disputes, QFD learns from outcomes: which claims were filed, which recoveries held, and why.

Scores every claim first. Evidence is assembled and the claim is weighed against how similar disputes resolved, before it reaches a queue.
Acts on the clock. Provisional credit, chargebacks, recovery, and cardholder letters go out without anyone chasing them.
Sends your analysts only the decisions. Each one arrives with the evidence and the reasoning already attached.

Every automated decision is logged with the rule behind it, so your analysts see the reasoning as they work and an examiner can follow it years later.

of the work on a case is automated

0 %

of required regulatory and network actions happen on time

0 %

of claims resolve with no manual touch after intake

30- %

faster dispute resolution

0 x

Aggregate results across institutions running QFD. Industry comparison from Quavo’s 2026 State of Dispute Management benchmark report.

HOW IT WORKS

One workflow, from first report to final recovery

Each stage cuts down the work that reaches the next one.

Start where the cardholder already banks

Cardholders can start a dispute wherever they already bank, whether that's in the branch, through the call center, in the mobile app, or on the bank's website. QFD surfaces key transaction details and asks the right questions up front, helping cardholders better understand what they're seeing before they file.

RESULT

Fewer claims reach the queue at all.

The routine work is already done

AI automates more of the routine work across fraud investigations and billing disputes, so cases keep moving without as many manual touches. Your team can stay focused on the cases that need their judgment, while QFD automates things like provisional credit and chargebacks along the way.

RESULT

Faster case triage and instant rule checking.

Chargeback rights, checked automatically

AI looks at past merchant and dispute data to help assess risk, then automatically checks whether chargeback rights apply. That helps recovery move faster, with your team still in control when human judgment is needed.

RESULT

Recovery moves without waiting on a queue.

QFD keeps watching

During the recovery process, QFD continues monitoring the account and recovery activity, so things like reversals, late merchant responses, or repeat patterns surface right away instead of showing up weeks later in a report.

RESULT

Complete audit trails with zero manual overhead.

WHERE INSTITUTIONS USE QFD

The situations we hear about most

If one of these sounds familiar, here’s how QFD helps.

First-party fraud is rising and it is hard to prove

Guided intake helps uncover what really happened, and because QFD works disputes for hundreds of institutions, it recognizes patterns a single issuer would never see on its own. That gives your team more context when something doesn’t quite add up.

An exam is coming and you need to show your work

Every action is timestamped and auditable, so you can produce Reg E and Reg Z evidence without rebuilding files by hand the week before.

A compromised BIN just created a wave of claims

Hundreds of claims land at once against the same merchant or the same breach. QFD works the qualifying ones automatically and handles card block and reissue without an agent doing it one account at a time.

Scam claims on person-to-person payments keep climbing

These come with tight timelines and messy evidence. QFD pulls the transaction detail together, applies the rules that govern real-time and person-to-person claims rather than card chargeback rules, and documents how the decision was reached.

Your processor charges every time it touches a claim

QFD connects directly to the card networks and covers the full dispute lifecycle in one platform, so growing volume does not grow a per-touch bill.

Your team swivel-chairs between systems to work one claim

Intake, investigation, chargebacks, and recovery live in one platform, so analysts work the whole case in one place instead of bouncing between the core, a processor portal, and spreadsheets.

BENEFITS

What this changes day-to-day

People stop calling to ask what is happening

They can file online and see where their claim stands, so they stop calling to check. AI-driven automation resolves disputes three times faster.

First Hawaiian Bank got to 90% task automation

Deadlines stop costing you money

Disputes come with strict regulatory and network deadlines, and missing one can lead to financial and compliance impacts. QFD keeps those timelines built into the process, helping your team resolve cases on time and avoid preventable losses.

Recovery filed on Visa, Mastercard, American Express, Pulse, and Star

More disputes are resolved automatically

Let automation handle the routine tasks so your team can focus on the ones that need a closer look. With fewer manual touches, claims get resolved faster, leading to less rework and a better cardholder experience.

90% of tasks on a case are automated

Compliance that scales with you

Card association mandates change constantly. QFD changes with them, so new rules arrive already reflected in your workflows and controls, with no lift on your part. Launch a card, add a payment type, or work through a merger, and compliance holds.

Updates ship twice a year against network mandates, at no extra cost

Quavo’s automation has reduced the amount of time our agents touch a claim dramatically. This has taken so much pressure off our team, enhanced work/life balance, and improved team morale.”

Barbara Valona

VP and Bank Card Center Manager, First Hawaiian Bank

Task automation

Average monthly amount recovered

0 %

INTEGRATIONS

Already connected

QFD plugs into the ecosystem you already run, readily and without a big technology overhaul. Your core, the card networks, and the merchant tools connect through integrations we have built before, whether you’re replacing an old claims system or moving off a processor tool.

CORES

NETWORKS

MERCHANT TOOLS

DATA AND REPORTING

Frequently Asked Questions

Will QFD work with our core?

Almost certainly. QFD is already running on Jack Henry, Fiserv, FIS, Keystone, TSYS, and Corelation KeyBridge, and Quavo has onboarded institutions in the middle of a core conversion. Visa VROL, Mastercom, Verifi, and Ethoca connect natively, and there is a REST API for anything unusual.

What does this take from our side?

It depends how much you want to hand over. Some clients start with just the front office, some hand over the whole operation. Every onboarding is scoped to where you are starting from rather than dropped on you as a template.

What does implementation look like?

A named Quavo team runs your implementation from kickoff to go-live, so you always know who to call. We configure QFD to your policies, connect your core and the card networks, and bring your open cases over. Your team signs off on each step, and nothing goes live until you approve it.

How does QFD keep us compliant with Reg E and Reg Z?

QFD acts on the case instead of reminding somebody to. The deadlines and the rules are built into the workflow, so acknowledgments, provisional credit, the investigation milestones, and the final answer all go out against the clock that governs them. Every action is logged with the rule behind it, which is what an examiner asks for.

How is QFD priced?

It comes down to how much you hand over and how many disputes you see a month. Updates are included: releases ship twice a year against the network mandates at no extra cost. Getting to an actual number takes a short conversation about your volume and your payment mix.

Find out what your disputes are really costing you

Bring your monthly volume, payment mix, and core. We will show you what QFD would recover and save, and what stays with your team.