disputeguard

Checks whether a chargeback dispute-evidence bundle actually satisfies Visa's reason-code-specific evidence requirements — before you submit it. Representment windows are days, not weeks, and a weak submission auto-loses; this catches the gaps while there's still time to fix them.

No open-source tool does this today — the space is dominated by paid platforms (Stripe Smart Disputes, Chargeflow, Lorikeet).

Quick start — no API key needed

pip install disputeguard
disputeguard check examples/sample_evidence.json --reason-code 10.4 --deadline 2099-01-01

That runs in rules-only mode: it checks that every required piece of evidence is present and the deadline hasn't passed — no LLM, no signup, instant result.

With AI-judged evidence quality

Rules-only mode can tell you a field is empty. It can't tell you whether the content of a customer email actually proves delivery. For that, add a provider:

from disputeguard import check_evidence
from disputeguard.providers.anthropic_provider import AnthropicProvider

report = check_evidence(
    reason_code="10.4",
    deadline="2026-08-25",
    evidence={
        "avs_match": "AVS check returned Y/Y full match.",
        "cvv_match": "CVV verified at time of sale.",
        "customer_history": "3 prior completed orders, same address.",
    },
    provider=AnthropicProvider(),  # or OpenAIProvider(), or OllamaProvider() for a free local model
)

print(report.verdict)        # "ready" | "weak" | "missing-required"
print(report.score)          # 0-100
print(report.action_items)   # ["Strengthen evidence for '...' — ...", ...]

No paid API? Use OllamaProvider() with a local model — same interface, zero cost.

Async

from disputeguard import acheck_evidence
report = await acheck_evidence(reason_code="10.4", deadline="2026-08-25", evidence={...})

v0.1 scope

• Visa only, 6 reason codes: 10.4, 13.1, 13.3, 13.6, 12.6.1, 13.7.
• Not in scope yet: Mastercard/Amex/Discover, auto-drafting the rebuttal letter, direct submission to Visa.

See DETAILS.md for the full design, and docs/USAGE.md for the complete API/CLI reference.

Integration examples

See examples/ for FastAPI and Django webhook handlers.

License

MIT