Takeback ("the Service", "we", "us") is a chargeback-response service operated by Takeback LLC, a Kansas limited liability company, at takeback.cc. When you connect a Stripe or PayPal account and complete the setup questionnaire, the Service monitors payment disputes ("chargebacks") filed against your business, assembles response evidence from the information you provide, and submits that evidence to your payment processor on your behalf.
You must provide a valid email address and keep your password confidential. You are responsible for all activity under your account. You must be authorized to act for the business you register and for each Stripe or PayPal account you connect. We may suspend or terminate accounts that violate these terms or that we reasonably believe are being used unlawfully.
By connecting a Stripe account (via Stripe Connect, the Takeback Stripe App, or a restricted API key) or a PayPal account (with API credentials), you authorize Takeback to: read dispute and related charge or transaction data from that account; upload evidence files; and submit dispute responses on your behalf, to the card networks through Stripe or to PayPal, including automatically when you enable Auto-fight. You can withdraw this authorization by disconnecting the account in Takeback once no dispute we filed from it is awaiting the bank's decision (section 10), or at any time by revoking our access in Stripe or PayPal.
4.1 Your inputs. Evidence and rebuttal letters are generated from the answers, policies, and files you supply. You warrant that everything you provide is truthful, accurate, and yours to submit. Submitting false or misleading evidence to a card network can have serious consequences for your business, and the accuracy of what you give us is the foundation of every case we file.
4.2 Automatic submission. Takeback is a hands-free service. Unless you switch automatic submission off in your account settings, we assemble evidence and file it with your payment processor on your behalf as soon as a dispute is received, without notifying you first or waiting for your approval. You acknowledge that responses are submitted this way, that submission to a card network is final and cannot be amended or withdrawn, and that you have authorised us to act on your behalf under section 3. If you pay our fees yourself, nothing is filed until a payment method is on your account (section 6.4).
4.3 AI-generated content. Rebuttal letters may be drafted using artificial-intelligence systems working strictly from the information you provide. They are instructed never to invent facts, order numbers, dates, or communications. Because letters are filed automatically, we will not have asked you to review the wording of any individual letter — you can switch automatic submission off at any time if you would prefer to approve each case yourself.
4.4 Keeping your answers current. Your Workflow answers are reused on every future dispute. If your policies, fulfilment practices, or verification methods change, update them — outdated answers will be filed as evidence until you do.
Dispute outcomes are decided by card issuers and networks, not by Takeback. We do not promise that any dispute will be won, that submissions will always occur before a network deadline, or that the Service will be uninterrupted or error-free. Statistics shown in the dashboard are informational.
6.1 The recovery fee. Takeback charges a success-based fee of 10% of the amount recovered on each dispute resolved in your favour. "Amount recovered" means the disputed transaction amount that the card issuer returns to your payment-processor account. There is no subscription charge, setup fee, or minimum volume commitment.
6.2 When no fee is charged. No fee is payable on a dispute that is lost, withdrawn, or otherwise not resolved in your favour. Where the calculated fee falls below the minimum amount our payment processor is able to charge, the fee is waived in full.
6.3 Authorization to charge. By adding a payment method to your Takeback account, you authorize us to charge that payment method, without further notice or approval, for each recovery fee as it becomes due. Fees become due when the dispute is confirmed as resolved in your favour, and are charged at that time. You are responsible for keeping a valid payment method on file for as long as your account remains connected to a payment processor.
6.4 No payment method, no filing. If you pay our fees yourself, we do not file a dispute until a payment method is on your account. A dispute that arrives before then is held, and we email you asking you to add one. If none is added before the issuer's deadline, the dispute is not answered, and an unanswered dispute is lost. This does not apply to test-mode or sandbox disputes, or where a partner platform pays your fees. A payment method cannot be removed while a fee is unpaid or while a dispute we filed is awaiting the bank's decision; it can be replaced at any time.
6.5 Currency. Each fee is charged in the same currency as the dispute it relates to, so that the fee is exactly 10% of the amount you recovered. Where your payment method settles in a different currency, your card issuer may apply its own conversion rate and foreign-transaction charges. Those charges are set by your issuer, not by Takeback, and are your responsibility.
6.6 Taxes. Fees are stated exclusive of tax. Where we are required to collect sales tax, VAT, GST, or a similar tax on our fee, that amount is calculated at the time of charge, shown separately on your invoice, and added to the amount charged. You are responsible for providing accurate billing address and tax-registration details, and for any taxes arising from your own business activity.
6.7 Invoices and receipts. Each fee is issued as an itemised invoice identifying the dispute, the amount recovered, the fee, and any tax. Invoices are available through your account and from our payment processor.
6.8 Failed payments. If a charge is declined or cannot be completed, the fee remains payable and we may re-attempt it. We will notify you so that you can update your payment method. We may suspend dispute submission on accounts with fees that remain unpaid after reasonable notice.
6.9 Disputing a fee. If you believe a fee has been charged in error, contact us at support@takeback.cc within 60 days of the charge and we will investigate and, where the fee was charged in error, refund it. Fees correctly charged on genuinely recovered disputes are non-refundable.
6.10 Changes to pricing. We may change our pricing with reasonable advance notice. Changes never apply retroactively to disputes already resolved, and you may disconnect your account before a change takes effect, as section 10 allows.
We retain all rights in the Service, its software, and its design. You retain all rights in the content you provide. You grant us a limited license to store and process that content solely to operate the Service for you.
The Service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all implied warranties, and our total liability for any claim arising out of the Service is limited to the fees you paid us in the three (3) months before the event giving rise to the claim. We are not liable for indirect, incidental, or consequential damages, including lost revenue from dispute outcomes.
You may stop using the Service and delete your account from Settings, with two exceptions. While a dispute we filed for you is awaiting the bank's decision, you cannot disconnect the Stripe or PayPal account it was filed from, switch that connection to a different account, remove the partner platform that set up your account, or delete your account; the dashboard shows how many such disputes there are. We learn the outcome through that connection, and the fee in section 6 is due when one is won. This stops applying to a dispute once we can no longer reach the account it was filed from (for example, after you revoke our access inside Stripe or PayPal), or 120 days after we last filed on it. Nor can an account be deleted while a fee is unpaid. Test-mode and sandbox disputes do not count. If the law requires us to delete your data sooner, contact us.
You can revoke our access inside Stripe or PayPal at any time, and we cannot prevent that. If that account is later connected to Takeback again, under any login, and a dispute we filed from it before is decided in your favour, the fee on it is charged as usual.
On termination we stop monitoring and submitting on your behalf; disputes already submitted to the networks cannot be recalled.
We may update these terms as the Service evolves. Material changes will be announced by email or in the dashboard at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.
These terms, and any dispute arising out of them or out of your use of the Service, are governed by the laws of the State of Kansas, without regard to its conflict-of-laws rules.
The state and federal courts located in Kansas have exclusive jurisdiction over any such dispute, and both you and Takeback LLC consent to the personal jurisdiction and venue of those courts.
Nothing in this section prevents either party from seeking injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
These terms are between you and Takeback LLC. Questions about them: support@takeback.cc.