The new offering transforms traditional chargeback processing by equipping business owners with tools to effectively manage disputes, embedded within their business software

ATLANTA, GA – DECEMBER 9, 2025 – Xplor Pay, a leading U.S. payment processor under Xplor Technologies, has today announced the launch of its Dispute Management API, an innovative embedded solution for software providers and their merchants. Following the successful launch of Xplor Capital for SaaS providers and small businesses, this built-in tool allows SaaS providers to integrate dispute resolution for merchants directly into their software ecosystems.

Chargebacks are a critical challenge for many merchants, especially those using vertical SaaS platforms or operating online. While intended to protect consumers, chargebacks can be misused or misinterpreted, leaving merchants with lost revenue, added fees, and in some cases, a terminated merchant account. SaaS providers can now embed Xplor Pay’s Dispute Management features to help merchants easily fight chargeback fraud and prevent lost revenue. This new platform provides merchants with seamless notification, reporting and rebuttal capabilities, without the extended waiting periods and hurdles of legacy – often manual and disjointed – dispute resolution processes.

With traditional chargeback management, merchants may see delayed or lost notifications via mail, then must access ancillary tools to resolve the disputes – often being sent to a separate portal or website where they are forced to juggle usernames, passwords, user interfaces, and lengthy waiting periods, to find a resolution.

By embedding robust dispute capabilities directly into their software, SaaS providers can transform a point of friction into a value-added service that protects and powers growth for their merchant base. Rather than forcing merchants to use disconnected tools and disruptive workflows across multiple systems, Xplor Pay’s Dispute Management API can reduce risk and processing time by automating alerts, responses, and evidence-gathering.

“With our Dispute Management API embedded into your software, your merchants have quick access to respond to chargebacks, by reviewing case details and providing supporting documentation to process disputes efficiently.”

“Software platforms using our payments suite can now offer merchants the dispute resolution tools they want and need – embedded within the software solutions and workflows they use every day to drive their business.”

Nick Campbell
Chief Product Officer, Xplor Pay.

Key benefits of Dispute Management

  • Timely Notifications: Merchants don’t need to wait for letters in the mail. The platform automates notifications and provides reporting tools to keep merchants informed throughout the dispute lifecycle.
  • Streamlined Evidence Submission: If a merchant chooses to fight a chargeback, they must compile documentation to prove the transaction was valid and fulfilled. Merchants can now save time and resources with streamlined evidence gathering and submission, and even pave the way for disputes management automation.
  • Scalability: Replacing manual dispute handling with real-time notifications and simplified evidence submission leads to a faster and more efficient dispute process, while critically keeping SaaS platforms connected, informed, and in control for the duration of the dispute lifecycle.

Xplor Pay’s Dispute Management API is designed to help SaaS providers differentiate their platforms, increase merchant retention, and drive additional revenue. Accelerating both disputes and rebuttals, our powerful tool enables merchants to monitor and respond via comprehensive chargeback data, robust reporting, and timely notifications.  

This value-added technology is available to all Xplor Pay software partners and their customers. To learn more, visit xplorpay.com. 

About Xplor Technologies

Xplor Technologies At Xplor, we build modern SaaS and embedded payment solutions for businesses of all sizes, elevating customer experiences with technology designed to attract, connect, engage, and retain. Tailored for everyday life industries such as Childcare & Education, Fitness & Wellbeing, Field Services, and Personal Services, our solutions help more than 130,000 customers in 68+ countries thrive in the experience age, and process $47 billion in annual payments volume.

Xplor Pay is a full-service payment provider committed to empowering software providers with seamless integrated payment solutions that enhance users’ experience and open new revenue streams. Our flexible payment partnerships, including PayFac as a Service, are structured to help SaaS providers’ scale while maximizing payments revenue.

Xplor Pay is a registered DBA of Clearent, LLC.

Article by Xplor Technologies

First published: December 09 2025

Last updated: December 09 2025