Card issuer Episode Six has forged a strategic partnership with dispute automation platform Decisionly.
The partnership will give card issuers an end-to-end dispute management solution that will enable them to boost efficiency via AI-powered automation.
Founded in 2024 by the team that launched Chargehound, Decisionly made its Finovate debut at FinovateFall 2025.
Enterprise-grade card issuer Episode Six has teamed up with AI-powered dispute automation platform Decisionly in a strategic partnership designed to give card issuers an end-to-end dispute management solution. The alliance will help issuers burdened with traditional dispute and chargeback tools deal with the complexity of modern card program management.
Decisionly’s technology automates the entire dispute lifecycle, including regulatory requirements, network rules, and custom program configuration. The platform delivers automation rates of greater than 95% from day one and reduces manual dispute resolution work by more than 80%. Both Decisionly’s and Episode Six’s platforms are based on an API-first architecture and serve overlapping markets. This will allow customers to access best-in-class capabilities across card infrastructure and dispute operations, and help transform disputes from a cost to be dreaded into an opportunity for creating superior experiences for cardholders.
“We built Episode Six to give issuers the infrastructure they need to run modern card programs, and that means addressing every layer of the stack,” Episode Six CEO and Co-Founder John Mitchell said. “The shift towards purpose-built solutions is accelerating across payments, and disputes is one of the clearest examples of an operational function ready for transformation. By partnering with Decisionly, we can now offer those clients the solutions they need.”
Operating in more than 50 countries, Episode Six is an international, API-first, cloud-native card infrastructure provider. The company’s technology can be run as a sidecar to existing systems or as the foundation for a new stack. Episode Six enables creation of a wide range of products including credit, prepaid, and commercial cards; virtual accounts; embedded wallets; BNPL and lending features; and more. Founded in 2015, Episode Six is based in Austin, Texas.
“Partnering with Episode Six was a natural fit,” Decisionly CEO and Co-Founder Pallavi Kuppa-Apte said. “We share the same fundamental belief that modern card programs deserve modern technology at every layer, including disputes. Episode Six gives us a direct path to a strong and growing base of banks and fintechs already running on modern infrastructure, exactly the kind of issuers who are ready to unlock the full value of purpose-built dispute automation.”
Founded in 2024 by the team that launched Chargehound (which was acquired by PayPal in 2021), Decisionly made its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated its AI-powered dispute resolution and first-party fraud detection technology for card issuers. Decisionly automates disputes from intelligent intake to custom investigation,to rapid resolution, combining deep domain expertise with advanced technology to allow card issuers to make faster, smarter decisions while lowering operational risk.
Photo by Mike Kononov on Unsplash
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