Merchanto positions itself as a trusted intermediary between card issuers, acquirers and merchants. Instead of waiting for a chargeback to be filed, it receives early dispute alerts from issuer-side programmes and routes them to the merchant, who can then refund or resolve the case while it is still a pre-dispute inquiry. The stated goal is deflection of chargebacks before they hit the merchant's dispute ratio.
The product is organised into four blocks: Prevent, for per-lookup checks and early-stage deflection; Resolve, which handles Visa RDR/CDRN and Mastercard Alerts; Inform, a free monitoring layer that tracks fraud and chargeback rates against card network programmes; and Recover, a managed chargeback and representment service. Merchants can adopt one block or the full stack.
Integration is deliberately light. Merchanto advertises no-code compatibility with major PSPs, an API for teams that want to control the workflow themselves, and ready-made automations for Stripe, PayPal and Shopify. The pricing page describes a pay-per-result model with no monthly minimums, no fixed monthly fee and no integration fee, plus flexible payment terms and custom quotes for high-volume merchants.
