Merchant Agreement

Antiff operates a chargeback recovery and dispute defense platform. On the Merchant’s behalf and under the authorizations the Merchant grants, Antiff (a) connects to the Merchant’s Payment Processors and Connected Services, (b) ingests inbound payment disputes in real time or on a scheduled basis, (c) gathers and organizes evidence relevant to each dispute, (d) composes a defense narrative and evidence package using artificial-intelligence tooling, and (e) submits the defense to the Payment Processor before the applicable response deadline.

The Service is available through the Antiff platform at antiff.io. Specific features depend on the Merchant’s plan and the integrations the Merchant has connected. Antiff may release new features, modify existing ones, or deprecate older ones over time, in line with the Terms.

By creating an account, connecting a Payment Processor or Connected Service, and using the Service, the Merchant authorizes Antiff to:

• Read transaction, dispute, charge, customer, order, fulfillment, support, communication, and policy records from the Merchant’s Payment Processors and Connected Services as needed to assemble dispute defenses.
• Compose dispute defense narratives, evidence packages, and supporting materials using the Merchant’s data and Antiff’s artificial-intelligence-powered tooling.
• Submit dispute defense materials to the Merchant’s Payment Processor in the Merchant’s name and on the Merchant’s behalf, in accordance with the defense automation mode the Merchant selects.
• Send transactional notifications by email or in-product messaging to the contact addresses the Merchant configures, including notifications about disputes, defenses, billing, and account status.
• Use anonymized or aggregated data derived from Customer Content to operate, monitor, evaluate, and improve the Service, provided the data has been de-identified so that it does not reasonably identify the Merchant, any Authorized User, or any cardholder.

The Merchant selects, and may change at any time, the level of autonomy Antiff has when a dispute is ready for submission. The available modes are:

• Autopilot. Antiff submits the defense to the Payment Processor without prior Merchant review when the win-score threshold and minimum disputed amount the Merchant configured are met. The Merchant receives a confirmation summary after submission.
• Assisted. Antiff prepares the defense and flags it as ready. The Merchant reviews and approves the defense before Antiff submits it. This is the recommended default.
• Manual. Antiff does not submit defenses automatically. The Merchant uses the in-product copilot for guidance and submits, edits, or skips defenses on a case-by-case basis.

Mode changes apply prospectively. A change does not retroactively alter the disposition of a dispute whose defense has already been submitted.

Antiff’s pricing is performance-based. Antiff charges a commission of twenty-five percent (25%) of each Recovered Funds amount (the “Commission”). The rate in effect at the time a dispute closes is snapshotted and applied to that dispute, regardless of any future change in the rate. Recovered Funds are determined when the Payment Processor records a final outcome that returns the disputed amount to the Merchant.

Antiff issues a single consolidated invoice on the first business day of each calendar month covering each Recovered Funds amount that closed in the prior calendar month. The invoice is automatically charged via Stripe to the payment method the Merchant has on file. By providing a payment method, the Merchant authorizes Antiff and Stripe to charge that method for each invoice and for any retry attempts under Stripe’s standard dunning schedule.

If a charge fails, Stripe’s automated retry schedule applies. Repeated failure may, at Antiff’s option, cause Antiff to (a) pause autopilot submissions for the Merchant until the balance is resolved, (b) require an updated payment method as a condition of continued use, or (c) suspend the Service. The Merchant remains liable for unpaid Commissions regardless.

Antiff does not charge a Commission for (i) a dispute that closed without Antiff submitting a defense (for example, where the Merchant set the mode to manual and chose not to submit), or (ii) a dispute that closed against the Merchant (lost, refunded, or otherwise not in the Merchant’s favor).

Commissions are exclusive of taxes. The Merchant is responsible for any sales, use, value-added, withholding, or similar taxes arising from the Merchant’s use of the Service, except for taxes based on Antiff’s net income.

If the Merchant believes a Commission was billed in error, the Merchant may notify Antiff in writing at support@antiff.io within sixty (60) days of the invoice date. Antiff will investigate in good faith and, where warranted, mark the corresponding billable recovery as waived in the Merchant’s billing record and credit or refund the corresponding amount in the next invoice.

Failure to dispute an invoice within sixty (60) days waives any claim against that invoice.

The Merchant is responsible for:

• Keeping the information on the Merchant’s business profile accurate, including business name, contact details, country of operation, industry classification, and policies (terms of service, refund, shipping, cancellation, privacy).
• Maintaining functional connections to the Merchant’s Payment Processors and Connected Services, and re-authorizing connections promptly when tokens expire or are revoked.
• Keeping a valid payment method on file at all times during the Subscription Term.
• Reviewing and approving defenses that Antiff escalates (for example, defenses for reason codes that always require human judgment, or defenses below the configured win-score threshold).
• Ensuring that the Merchant has the legal right to instruct Antiff to access each Connected Service and to submit dispute defenses on the Merchant’s behalf, and that doing so does not violate any agreement between the Merchant and a third party.
• Complying with the rules of the card networks (Visa, Mastercard, American Express, Discover) and any Payment Processor whose transactions are submitted through the Service.
• Not using the Service to submit evidence the Merchant knows or has reason to believe is false or fraudulent.

Dispute outcomes are decided by the card network and issuing bank, not by Antiff. The Merchant acknowledges that Antiff does not and cannot guarantee any specific win rate, recovery amount, response time, or outcome with respect to any individual dispute or any group of disputes.

Antiff does not act as the Merchant’s attorney, advocate, or representative in any litigation. The Service is operational, not legal advice. Where the Merchant requires legal advice, the Merchant should engage qualified counsel.

Antiff’s artificial-intelligence outputs are generated probabilistically and may contain errors. The Merchant retains responsibility for the defense materials submitted in the Merchant’s name and is encouraged to use assisted or manual mode where the Merchant prefers human review before submission.

Each party will hold the other party’s Confidential Information in confidence in accordance with the confidentiality provisions of the Terms. Antiff’s collection and use of personal information is governed by the Privacy Policy and, where applicable, by the Data Processing Addendum executed between the parties.

This Agreement begins when the Merchant first completes onboarding and continues until either party terminates in accordance with the Terms. Either party may terminate for convenience on thirty (30) days’ prior written notice. Antiff may terminate or suspend immediately for the reasons described in the Terms (including non-payment, breach, insolvency, and material risk).

On termination, Antiff will stop ingesting new disputes for the Merchant and will not submit defenses for disputes that open after the effective termination date. Defenses already in flight may be completed at the Merchant’s direction or stopped, at the Merchant’s election communicated in writing to Antiff. Commissions earned for recoveries that closed before termination remain payable.

For thirty (30) days after termination, the Merchant may export Customer Content through the in-product tools available at the time or by request to support@antiff.io. After that period, Antiff may delete or de-identify Customer Content from active systems in accordance with the retention schedule in the Privacy Policy.

Antiff may modify the Service and this Agreement in accordance with the Terms. Material changes that affect commissions, billing, or material Merchant obligations will be notified to the Merchant by email or in the dashboard at least thirty (30) days before they take effect.

In the event of any conflict between this Agreement, the Terms, the Privacy Policy, and any executed Data Processing Addendum, the most specific document controls for the subject matter it addresses. The Privacy Policy controls over the Terms and this Agreement with respect to privacy matters; the Data Processing Addendum controls over the Privacy Policy with respect to the processing of Personal Data on the Merchant’s behalf.

This Agreement is governed by, and is to be read together with, the Terms and the Privacy Policy. Governing law, venue, mandatory arbitration, and class-action waiver provisions in the Terms apply to disputes arising out of or related to this Agreement.