A practical framework for evaluating payment monitoring and dispute intelligence solutions. Free, ungated, and ready to use.
Use these questions to evaluate any payment monitoring solution — including ours. We built this template because we believe informed buyers make better decisions.
Real-time data, dashboards, and alerting capabilities
Scoring, recommendations, and evidence automation
Card network program tracking and reporting
Encryption, access models, and compliance certifications
Choosing a payment monitoring solution is a consequential decision. Most merchants evaluate based on demos and pricing alone — missing critical questions about data access, compliance coverage, dispute intelligence methodology, and security architecture. This template gives you a structured framework to ask the right questions and compare solutions objectively.
The foundation of any payment monitoring solution is its ability to surface the metrics that matter — dispute rates, fraud rates, authorization rates, and volume trends — in a way that enables fast decision-making.
Real-time webhook processing with sub-second latency. Tracks dispute rate, fraud rate, auth rate, decline rate, and volume. Five alert channels (email, SMS, Slack, in-app, webhook). Custom thresholds per metric. Multi-MID support with account switcher. Card testing detection and anomaly detection built in.
Beyond monitoring, dispute intelligence tells you which disputes are worth fighting and which aren't — saving time and maximising recovery.
Transparent 10-factor scoring model with win probability and expected value for every dispute. FIGHT/ACCEPT/PREVENT recommendations. Automated evidence extraction. Outcome learning with incremental recalibration. No per-dispute fees — included in the Business plan ($399/mo).
Card network monitoring programs (VAMP, ECM, EFM) carry escalating fines. Your platform should track your exposure and alert you before you breach thresholds.
Tracks Visa VAMP, Mastercard ECM/HECM, and EFM with correct program-specific methodology. Predictive alerts fire before thresholds are breached. MID-level compliance views. Program rules updated within days of network announcements.
You're trusting a platform with access to your payment data. The security architecture and access model matter as much as the features.
Read-only Stripe OAuth — we cannot modify your account, process payments, or access card numbers. AES-256 encryption at rest, TLS 1.2+ in transit. SOC 2 Type II in progress (infrastructure providers Vercel and Supabase both maintain SOC 2). Row-level security at the database level. Revocable from Stripe Dashboard in one click.
Time to value matters. How quickly can you go from signup to live monitoring?
60-second setup via one-click Stripe OAuth. No code, no integration work. Historical data backfill on first sync. Multi-MID support from day one with account switcher. API access available. Additional processor support on the roadmap.
Pricing transparency and support quality are often the biggest differentiators between solutions.
Three transparent tiers: Growth ($199/mo), Business ($399/mo), Enterprise ($799/mo). No per-dispute fees, no per-transaction fees. Cancel anytime — no contracts, no cancellation fees. All plans include email support. Enterprise includes dedicated account management.
Book a demo and we'll walk you through how Cell Payments answers every question on this template.