What Fi911 does

Fi911 is a UK-based (Rayleigh) provider of chargeback and dispute management software targeting financial institutions, acquirers, payment processors, card issuers, independent sales organizations, and payment facilitators. Founded in 2011 as part of the Chargebacks911 group alongside its Tampa Bay-headquartered sister brand, the company has built a modular, cloud-based platform whose core modules include Merchant Onboarding, DisputeLab (dispute resolution automation), Reseller Payouts (n-tier commission management via API), Risk Management (ML-based fraud detection), and Client Portal (merchant transparency through 1,000+ integrations), with Training & Support and Comprehensive Review offered as add-ons.

The platform's technical backbone is a cloud-native, RESTful API architecture with PCI DSS Level 1 certification, machine learning–driven fraud prediction and decisioning, queue-based dispute routing with customizable rules, and an n-tier payout engine that connects into Microsoft Dynamics, Oracle, and the major credit bureaus (LexisNexis, GIACT, Experian). In late 2025 the company extended this stack with two flagship launches: the Unified Dispute Management System (UDMS), an issuer-grade Disputes-as-a-Service platform jointly launched with Chargebacks911, and ResolveLab, a white-label disputes-as-a-service platform for resellers and payment facilitators integrated with Mastercard's Ethoca.

Fi911 monetizes through tiered UDMS subscriptions ($2,995/month Basic, $4,995/month Premium, custom Enterprise on multi-year contracts), a lower-priced self-serve trial tier ($299/$599.99 per month), ResolveLab white-label licensing to channel partners, managed-services delivery, and bespoke professional services. Go-to-market is hybrid: direct enterprise sales for FIs and large processors, a product-led 30-day free trial for mid-market accounts, and an OEM/embedded motion via ResolveLab — backed by integrations with major payments brands and affiliations with UK Finance, the Payments Association, and TPPPA.

Name

Fi911

Website

https://fi911.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Fi911 provides cloud-based chargeback and dispute management software for financial institutions, acquirers, card issuers, ISOs, and payment facilitators, delivering AI-powered fraud detection, automated dispute workflows, and merchant lifecycle tools across 1,000+ integrations.

Ownership category

akta.pro rank

Product category

Payment Disputes and Chargeback Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Chargeback & Dispute Management (FSAMALAC)

akta.pro secondary industries

Dispute, Chargeback & Refund Automation (FSAGABAI), Risk Scoring, Decisioning & Orchestration (FSAMALAB), Payments Fraud & Chargeback Prevention (HDADALAE)

Keywords

• Chargeback management software
• Dispute resolution platform
• Payment fraud detection
• Merchant onboarding solutions
• Reseller payout management

Headquarters

HQ city

Rayleigh

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. UDMS Subscription Plans: Subscription-based pricing for the Unified Dispute Management System (UDMS), offered at Basic ($2,995/month), Premium ($4,995/month), and Enterprise tiers with custom pricing. Includes automated workflows, fraud detection, and compliance tools.
2. ResolveLab White-Label Licensing: White-label disputes-as-a-service platform (ResolveLab) licensed to resellers and payment facilitators, who rebrand and resell the technology to their own merchant clients.
3. Disputes-as-a-Service Platform (UDMS): Cloud-based Disputes-as-a-Service platform unifying dispute data and workflows for issuers, acquirers, and merchants, delivered as a managed service with real-time transparency and automation.
4. Professional Services & Custom Development: Custom-coded white-label solutions delivered by Fi911's business and technical teams, providing bespoke development tailored to client needs and budgets.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Fi911 provides a cloud-based modular platform of chargeback management and dispute resolution solutions for financial institutions, acquirers, payment processors, card issuers, ISOs, and payment facilitators. The offering combines merchant onboarding, automated dispute lifecycle management (DisputeLab), AI-powered fraud and risk detection, n-tier reseller payout administration, and a client transparency portal, delivered primarily through tiered SaaS subscriptions, white-label licensing, and managed Disputes-as-a-Service.

Product overview

Fi911 provides a modular platform of integrated back-office management solutions for the payments industry, serving financial institutions and payment resellers. The core portfolio centers on dispute management and risk mitigation, comprising Merchant Onboarding (for quick merchant setup), DisputeLab (automated dispute resolution), Reseller Payouts (end-to-end commission management via API), Risk Management (fraud detection), and Client Portal (merchant transparency). Add-on services include Training & Support (chargeback coaching) and Comprehensive Review (operations audit). The flagship platform is the Unified Dispute Management System (UDMS), a cloud-based Disputes-as-a-Service solution that unifies these capabilities with AI-powered automation, real-time fraud intelligence, and issuer-grade compliance. The platform is PCI DSS Level 1 certified and integrates via RESTful APIs.

Differentiator

Problem solved

Functional benefit

Products and services

• Unified Dispute Management System (UDMS) Cloud-based Disputes-as-a-Service platform for financial institutions that unifies dispute data and workflows, featuring AI-powered automation, issuer-grade compliance, and real-time fraud intelligence. Reduces case handling time by up to 60% with tiered subscription pricing from Basic to Premium and custom Enterprise plans.
• ResolveLab White-label disputes-as-a-service platform licensed to resellers and payment facilitators, who rebrand and resell the technology to their own merchant clients. Integrates Mastercard Ethoca services for real-time dispute insights.
• Merchant Onboarding Automated merchant onboarding solution enabling quick MID approvals through one-click processing, complex auto/manual underwriting, risk parameter filtering, and multi-product loading with dynamic fees and services. Designed for financial institutions and resellers managing merchant portfolios.
• DisputeLab Comprehensive dispute resolution management tool that automates the dispute process from retrievals to representments and arbitration, featuring queue-based routing, customizable rules, case assignments, and push-button communication with card schemes.
• Reseller Payouts End-to-end payout management for residuals, commissions, and bonuses delivered through APIs. Supports n-tier hierarchy with multi-level item splits, customizable business rules, and API interfaces to financial accounting systems including Microsoft Dynamics and Oracle.
• Risk Management Fraud identification and detection solution that monitors merchant payments daily with near-real-time alerts. Combines machine learning, risk prediction, and real-time decisioning for fraud alert coverage across verticals, regions, and payment types.
• Client Portal Transparency portal providing visibility into merchant activities. Simplifies chargeback, sale authorizations, batch, and settlement data through over 1,000 integrations with processors, CRMs, gateways, and order management systems into a unified interface.
• Training and Support Bespoke chargeback coaching and case management assistance delivered by experts with over 165 collective years of payments industry experience, including on-demand support and a chargeback rule library.
• Comprehensive Review Operations review by industry experts analyzing chargeback operations and working practices, including health checks, end-to-end workflow assessment, Scheme Rules Audit, and recommendations to mitigate risk and improve performance.

Quantifiable outcome

• Reduce case handling time by 60% while reducing write-offs and improving resolution outcomes
• +3 more outcomes

Named customers19 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability4 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mastercard (Ethoca Services)coreTechnology or Integration · 3 December 2025ResolveLab platform integrates Ethoca's services by Mastercard to enable real-time dispute insights and reduce deployment complexity for resellers and payment facilitators accessing dispute prevention and subscription management tools.
• Chargebacks911coreStrategic or Co-development Partner · 27 October 2025Fi911 and Chargebacks911 jointly launched the Unified Dispute Management System (UDMS), a cloud-based Disputes-as-a-Service platform that streamlines dispute data and workflows for payments industry participants. Fi911 is part of Chargebacks911 and shares leadership, technology, and operational infrastructure.
• Fintech Diversity RadarminorOthersFi911 is affiliated with Fintech Diversity Radar, an industry organization supporting diversity in the fintech sector.
• Third Party Payment Processors Association (TPPPA)minorOthersFi911 is affiliated with the Third Party Payment Processors Association, an industry body representing payment processors.
• Payments AssociationminorOthersFi911 is affiliated with the Payments Association, a trade body for the payments industry.
• UK FinanceminorOthersFi911 is affiliated with UK Finance, the trade body for the UK financial services industry.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Accertify: Provider of fraud prevention, chargeback management and dispute resolution for merchants and payment processors. Direct product overlap with Fi911's Risk Management and DisputeLab modules.
• Riskified: AI-driven chargeback fraud prevention and policy abuse detection for e-commerce merchants and payment providers. Direct overlap with Fi911's fraud detection and dispute prevention capabilities.
• Forter: Real-time fraud prevention platform serving merchants, payment providers and banks. Overlaps Fi911 on AI fraud detection and chargeback mitigation, with strong FI relationships.
• Sift: AI-based digital trust and fraud decisioning platform. Comparable in ML-powered fraud detection and risk scoring, frequently competing for the same FI and payment provider budgets.
• Signifyd: Provider of chargeback guarantees and fraud prevention for enterprise merchants. Competes with Fi911 on the chargeback/fraud prevention side, particularly for large merchants that overlap with Fi911's payment facilitator customers.
• Ethoca: Mastercard-owned dispute alerts and collaboration platform. Direct comparable to Fi911's ResolveLab (which integrates Ethoca), and represents scheme-level competition for real-time dispute intelligence.
• Verifi: Visa-owned provider of chargeback and dispute management solutions serving issuers, acquirers and merchants. Closely overlaps Fi911's UDMS and DisputeLab offerings, and represents the most direct competitive threat from a card scheme.

Broad incumbents

• Kount: Equifax-owned digital fraud and chargeback prevention platform. Comparable in fraud decisioning and ML risk scoring, with broader identity and trust capabilities than Fi911.
• Chargebacks911: Sister company focused on merchant-side chargeback management. Closely related product set but different buyer (merchants vs FIs), making it a complementary incumbent rather than direct FI competitor.

Emerging players

• MidMetrics: Chargeback analytics and prevention platform focused on merchants and PSPs. Smaller, emerging peer with overlapping chargeback KPI/reporting and prevention capabilities versus Fi911's UDMS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fi911