Services
Everything we do to unfreeze your money.
One playbook, refined across 1,200+ cases against every major processor — productised so any merchant can afford serious legal weight behind their claim.
What we recover
Six case types. One framework.
Most disputes fall into one of these patterns. The framework is the same; the legal levers differ by processor, jurisdiction and reason code.
Recovering rolling and capped reserves held beyond contractual periods, including post-termination retention windows.
Challenging Section 4 / risk-team holds, KYC re-verifications and 180-day retention windows used as default policy.
Defending merchants where dispute-rate thresholds triggered mass holds — including representment and TC40 forensics.
Securing release of final settlement balances after MID closure, with audit of fees, fines and clawbacks.
Direct escalation against ISO/acquirer relationships when the front-end PSP claims its hands are tied.
Filing proofs of debt, joining creditor committees, and recovering segregated client funds from administrators.
Processor coverage
Every major PSP, acquirer and EMI.
We've recovered against all of these, plus 30+ regional players. If your processor isn't listed, ask — we almost certainly have a playbook.
The process
Six stages, fully transparent.
Each stage has documented outputs and SLAs. You see every step in real time in your client dashboard — letters sent, replies received, scheduled escalations.
Free 5-minute case form. We assess processor, amount and likely posture within one business day, and quote a fixed or contingency fee.
We collect the merchant agreement, settlement reports, KYC, chargeback exports and prior correspondence into one indexed evidence pack.
A jurisdiction-appropriate demand letter from a regulated firm — addressed to the processor's legal department, not its support queue.
Where required: regulator complaint (FCA, CBI, BaFin, CSSF), card-scheme escalation, acquirer pressure, and pre-action litigation.
Senior compliance and legal counterparts only — partial, full or staged releases negotiated against documented exposure.
Funds land in a segregated client account, fees deducted, net wired to your nominated bank within 5 business days.
Our guarantees
Aligned with you, on the record.
We commit these in writing in every engagement letter — not because we have to, but because misaligned incentives are why most recovery services fail.
- No-win-no-fee on standard cases — you owe nothing if we recover nothing.
- Named case manager + supervising solicitor; no shared inboxes.
- Real-time case file in your dashboard, with every letter, reply and milestone logged.
- ISO 27001, SOC 2 Type II, EU data residency by default.
- Engagement letter, fee quote and case plan before you commit a cent.
- If we judge a case unrecoverable, we tell you on day one — and we tell you why.
Average time to full release across reserve cases in 2025.
Cases ending in partial or full recovery in the last 12 months.
Total funds recovered for merchants since founding in 2019.