We started Refunder
because the system is rigged.
Most people think chargebacks are just for fraud. They're wrong. They're one of the most powerful tools you have to get your money back from a bad deal, and almost nobody knows how to use them. So we wrote the guide.
Why this exists
A friend got charged twice for a mattress. $1,400. The company strung her along for weeks. "We're looking into it." "Please be patient." "Refunds take 90 days." They were running out the clock on purpose. You have 120 days to get your money back from your bank. After that, it's gone for good.
She called the bank. The bank said "we need a reason code." She didn't know what that was. They gave her a list. She picked wrong. The claim was denied.
That same week, one of us was helping a third friend chase $600 Airbnb had quietly moved out of her account. And then another friend, then his neighbor, then a total stranger on a Reddit thread. The same story. Every time.
So we wrote the guide
Refunder is the software we wish our friends had. You tell it what happened. It figures out the right rule to cite with your bank. It writes the letter. It lists the exact evidence you need. It gives you a script for the phone call. It tracks your deadline.
No lawyers. No 30% cut of what you get back. No "premium tier" for things that should be free. Just clear instructions, delivered to you, in five minutes.
"Your bank is required to hear you out.
Most people never make them."
What we believe
No one is coming.
Not the FTC. Not your state attorney general. Not the company's customer service manager. If you want your money back, someone has to fight for it, and that someone is you. We just give you everything you need to win.
Clarity over comfort.
We'll tell you if your case is weak. We'll tell you if you missed the window. We'll tell you if hiring a lawyer makes more sense. Honesty wins more cases than hope.
Your data is yours.
We don't sell it. We don't share it with data brokers. We don't need your bank login. We collect the minimum needed to build your case and nothing else.
Who we are
We're a small team of engineers, designers, and one recovering consumer-protection attorney. We've built payment products, dispute systems, and one of the first AI agents for FTC consumer complaints. We live in the weeds of chargeback rules so you don't have to.
We charge a flat subscription, we keep it affordable, and we don't take a cut of what you win. Our only job is to get your money back, and to be here the next time a company tries to pull something on you.
What's next
Right now Refunder handles refund and chargeback cases in the United States. Next up: automated claims against FTC cases and class action settlements you didn't even know you qualified for. Billions of dollars quietly get sent back to companies every year because people never claim what's theirs. We think that's a crime. We're fixing it.
If that sounds good to you, start a case. If you've got something to tell us, whether it's feedback, a horror story, or a partnership idea, get in touch.