Flag the merchant before chargebacks compound.
When the chargeback rate spikes for one merchant, Bicycle ranks whether it's config drift or a routing anomaly, and recommends the fix to merchant ops before it compounds.
A dashboard shows the chargeback rate moved. A chatbot answers what you type. Bicycle has the cause and the fix before it compounds.
No credit card required
Ranked #1 by impact. Est. exposure $58K. It found you, before you opened a dashboard.
You own the merchant chargeback rate, yet the "why did it spike?" answer waits in someone else's queue.
Same number, two operating models. One sends you to a ticket and a dashboard. The other brings the answer, the why, and the next step to you.
One governed system, six capabilities behind every answer.
Six capabilities, set up once and run continuously. Business teams move faster, the data team keeps governance, everyone trusts the number. Pick one to go deeper.
Rapid activation on your stack
You wait for the analytics project to finish. You want a working operating view tied to the KPIs you own, not a blank dashboard canvas.
What Bicycle does
Skip the blank canvas. Relevant KPIs, starter alerts, and prompts are populated for your role.
Speak your language. The system arrives configured for your business, not the database schema.
Use it from day one. The starter agent is reviewable and live in days, not a six-month rollout.
In practice
Open your merchant-ops home on day one. Chargeback rate, settlement success, dispute rate, and merchant health are already monitored, ranked by impact.
Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.
Your part of the loop is three moves: know what changed, understand why, act on it.
Know what changed before the review, down to where it moved.
Understand why the chargeback rate moved before you ask.
Act on it, scoped and routed to the team that owns the fix.
Your morning brief starts with the first pass done.
The chargeback rate spiked on Merchant 4821 across card-not-present volume. Bicycle has already checked where it moved, ranked the likely causes, attached the evidence, and kept the definition governed. You review the spike, check the evidence, recommend the fix to merchant ops, and reuse it on the next merchant.
Different teams own different metrics. Bicycle keeps the investigation governed.
You own the chargeback rate. Move to the payments teams around fraud rate, authorization performance, settlement trust, and revenue performance, all on the same loop.
See it on your numbers.
Start with one recurring metric you own: why the chargeback rate or settlement success moved. Bicycle watches the governed KPI, ranks likely causes across merchant config, routing, card-mix, and gateways, and hands you a reviewable first pass, before it compounds.
No credit card required · analyst-reviewed · governed from day one