Chargebacks aren't the problem.
Blind spots are.
Chargeback defense & intelligence for subscription businesses tired of blind spots in their payment stack.
How it works
Connect your payment stack and get unified data about your customers.
DashboardDashboardMost chargeback providers weren't built
for how you actually operate.
They don't speak orchestration.
Most alert providers assume you have one gateway, one processor, one simple flow. But you're running Primer or Spreedly, routing dynamically across Stripe, Adyen, Checkout.com - and they have no idea how to connect the dots. You end up doing the data work yourself.
Subscriptions are an afterthought.
Recurring billing creates unique dispute patterns - friendly fraud on trials, cancellation confusion, buyer's remorse at month 6. Generic providers treat every transaction the same. You can't break down performance by transaction type, monitor approval rates alongside disputes, or track risk at the subscription level. Just one big blob of data.
Multi-brand? Good luck with reporting.
You run multiple brands, multiple MIDs, spin up new merchants regularly. Legacy platforms dump everything into one flat hierarchy - or worse, make you pay per "account." Comparing performance across brands, isolating problem MIDs, monitoring enrollment statuses across your portfolio? It's a hassle. We give you a clear layout to instantly see what's enrolled where - and what's missing.
Order Insight is powerful - if you can actually implement it.
Visa's Order Insight and Verifi CE 3.0 can stop disputes before they happen. But the integration is notoriously painful: webhooks, response formatting, edge cases. Most merchants give up or do it wrong. We handle it end-to-end - no-code or low-code, fully managed.
You get alerts, but you don't get insights.
Resellers pass alerts through and call it a day. Sure, transaction matching exists - but it's either poorly implemented or completely blind to orchestrated setups. You're left guessing at root causes. That's not a chargeback solution - it's a forwarding service.
“We built Polar Night because we came from your world - payments orchestration, subscription platforms, the messy reality of scaling transaction volume across multiple brands. We know what's broken because we lived it.”
We solve these problems every day.
Have a high VAMP rate?
Understand where chargebacks are coming from and use our no-code Compelling Evidence 3.0 solution to deflect friendly fraud.
Legacy provider wants you to do all the hard work?
polar night is designed to handle all operations end-to-end, so you can focus on growing your business, not developing integrations.
Want better reporting about your risk performance?
We ingest full transactional data to provide you the full picture, not the alert count.
We ingest everything. You see everything.
Full transaction ingestion
Every auth, capture, refund, and chargeback. Matched automatically.
Unified across orchestration
Built for Primer and similar setups. We connect what they fragment.
Ethoca + Verifi, handled
Alerts flow through us, resolved and logged with full context.
Enriched from the source
We ingest from your orchestrator, then enrich directly from your PSPs - Stripe, Adyen, Checkout.com, and more. No gaps, no guessing.
Analytics-first architecture
Reporting and pattern detection aren't bolted on. They're the core. Every data point is structured for insight from day one.
From raw data to real decisions.
Orchestration & multi-MID management
Full hierarchy support. See every brand, every MID, every enrollment - organized the way your business actually works.
Alert-to-transaction matching
Automatic, accurate, built for complex routing. No manual work, no mismatches.
Chargeback forecasting
Predict dispute volume before it hits. Plan ahead instead of reacting.
Alert performance benchmarking
Measure what's actually working. Compare resolution rates across MIDs, brands, and time periods.
Custom reporting
Build the views you need. Filter by brand, reason code, PSP, transaction type - export or integrate via API.
Intelligence that works for you.
Our AI continuously monitors your data, detects anomalies, and provides actionable recommendations - so you can focus on what matters.
Anomaly Detection
Automatically detect unusual patterns in disputes, approvals, and enrollment coverage.
Smart Recommendations
Get personalized suggestions to optimize your chargeback defense strategy.
Natural Language Queries
Ask questions about your data in plain English and get instant answers.
Proactive Alerts
Receive notifications before issues become problems, with one-click actions.
New descriptor detected
Stripe MID 'acme_prod_01' has descriptor 'ACME CORP' which is not active in Ethoca enrollment.
Why choose polar night?
See how we compare to traditional chargeback solutions.
| Feature | polar night | Others |
|---|---|---|
| Ethoca Alerts | Yes | Yes |
| RDRs | Yes | Yes |
| Full orchestration platforms support | Yes | No |
| Automated enrichment of missing data | Yes | No |
| Optimized for subscription businesses | Yes | No |
| No-code Order Insight/CE3.0 | Yes | No |
| Alerts/RDR reporting | Yes | Yes |
| Unified transactions and chargebacks reports | Yes | No |
| AI based monitoring and intelligence | Yes | No |
| Have "charge" in the name | No | Yes |
* Comparison based on typical chargeback alert providers
Fits your payment stack like a glove.
Orchestration Platforms
Payment Providers
Using an orchestration layer is essential for distributing risk. But data also gets distributed - polar night connects all of it for full chargeback and risk visibility.
Ready to see what you've been missing?
Get full visibility into your chargeback performance. No more blind spots, no more guesswork.
Book a demo