Cell Defender scores every Stripe dispute with a 10-factor model, calculates expected value, and tells you exactly which to fight, accept, or prevent. Included in Cell Pulse Business.
Stripe charges $15 per dispute contest. If you lose, you eat the fee and the chargeback. If you don't fight, you lose revenue you could have recovered.
Cell Defender picks up every new Stripe dispute in real-time via webhooks. No manual entry, no delay.
Every dispute is scored across 10 weighted factors — dispute reason, 3D Secure status, AVS/CVC match, customer history, shipping evidence, and more.
EV = (Win Probability × Recovery Amount) − Contest Fee. A positive EV means fighting is profitable. Negative means accepting is the rational choice.
FIGHT when EV is positive. ACCEPT when EV is negative. PREVENT when win probability is very low — refund proactively to avoid the $15 fee entirely.
For FIGHT recommendations, Cell Defender auto-extracts all available evidence from Stripe and scores completeness against what matters for each reason type.
Unlike Stripe Smart Disputes, Cell Defender shows you exactly why each dispute received its score. Every factor, every weight, every data point.
The scoring model is calibrated to real-world chargeback outcomes. Each dispute is evaluated across 10 weighted factors that capture authentication strength, verification results, customer behavior, and evidence availability.
Cell Defender doesn't just score disputes. It tells you exactly what to do — and why.
When win probability is high enough that the expected recovery exceeds the contest fee, Cell Defender builds the evidence package and recommends fighting.
When the math doesn't work, Cell Defender tells you to save the $15 contest fee and accept the loss. No ego, just math. Your resources go where they generate returns.
When win probability is very low and the charge is still refundable, issue a refund before the dispute escalates. Avoid the $15 contest fee entirely.
Cell Defender extracts everything Stripe knows about the transaction and organizes it into a structured evidence package.
| Capability | Cell Defender | Stripe Smart Disputes | Manual |
|---|---|---|---|
| Win probability score | Yes | No | No |
| Expected value calculation | Yes | No | No |
| FIGHT / ACCEPT / PREVENT | Yes | Partial | No |
| Factor-level transparency | Yes | No | No |
| Auto evidence extraction | Yes | Yes | No |
| Evidence completeness score | Yes | No | No |
| Outcome learning | Yes | Yes | No |
| Per-dispute fees | $0 | 30% of recovery | $0 + time |
| Price | $399/mo (included) | Free + take rate | Staff time |
Cell Defender records every outcome and recalibrates scoring weights after 20+ resolved disputes. The longer you use it, the more accurate it gets.
The Defender analytics dashboard gives you a complete picture of your dispute performance. Track win rates by reason code, monitor monthly trends, and see exactly how much revenue you've recovered.
| Amount | Reason | Score | Rec | Result |
|---|---|---|---|---|
| $245 | Fraud | 72% | Fight | Won |
| $35 | Service | 15% | Accept | — |
| $890 | Fraud | 84% | Fight | Won |
| $120 | Auth | 8% | Prevent | — |
When Cell Defender identifies a dispute worth fighting or one that should be prevented, you're notified immediately.
Detailed alert with dispute summary, score breakdown, and recommended action. One-click to view in Cell Pulse.
Critical FIGHT alerts via text so you never miss a high-value recovery opportunity.
Webhook notifications to your team's dispute channel with score, EV, and recommendation.
Real-time notifications in Cell Pulse with full dispute detail and evidence status.
Cell Defender adapts its scoring and evidence strategy to the specific dispute type, because what wins a fraud dispute is different from what wins a service dispute.
Customer received the product but filed a dispute anyway. Cell Defender prioritizes delivery evidence, customer history, and prior successful transactions.
Stolen card used without authorization. Cell Defender evaluates 3D Secure, AVS/CVC match, and IP geolocation to determine if evidence supports a fight.
Customer claims the product or service was not as described. Evidence strategy shifts to service documentation, correspondence, and usage logs.
Cardholder claims they didn't authorize the charge. Scoring emphasizes authentication evidence — 3D Secure, device fingerprints, and login records.
Cell Defender is part of Cell Pulse Business. Connect via Stripe OAuth and dispute scoring starts automatically — no code, no configuration, no webhook URLs to set up.
// Dispute arrives via webhook const dispute = { id: 'dp_3R8k...xF2m', amount: 24500, reason: 'fraudulent' }; // Cell Defender scores instantly const score = await defender.score(dispute); // Returns actionable recommendation { win_probability: 0.72, expected_value: 161.40, recommendation: 'FIGHT', evidence_completeness: 0.87, factors: ['3ds_verified', 'avs_match', '...'] }
Enter your numbers to see how Cell Defender improves your bottom line.
Cell Payments gives merchants a single platform to monitor payment health, track compliance, and intelligently manage disputes end to end.