Authorization checks for orders placed by agents
Your customer's agent bought it.Now they say it's fraud.
A hands-off agent buys with the customer's card. Weeks later the cardholder disputes it as fraud, and you can't prove what they authorized. Countersign checks each order before you charge.
Authorized by the customer (example)
Monthly plan, $100
Ordered by the agent (example)
Annual plan, $1,200, billed today
Charge held: order does not match authorization (example)
Evidence record readyBuilt for payments and fraud teams
- Payments & Fraud
- Disputes
- Checkout Product
- Finance
Product
One record for every agent order.
Countersign compares the order with the customer's authorization, using the signals your stack actually receives. We don't assume you get the original prompt, and we log what is missing.
- Line items
- Quantity
- Price
- Billing frequency
- Plan and terms
- Agent identity
- Payment token and network agent signals
- Customer confirmation
- Refund and dispute history
- Delivery and fulfillment events
- Support notes
Use cases
Where agent orders drift from the instruction.
Subscriptions and SaaS
Operational scope: wrong plan, annual vs monthly, unrequested upgrades.
Travel
Operational scope: hotel and flight bookings, room counts, dates, change fees.
Ticketing and events
Operational scope: ticket counts, seat categories, transfer and resale terms.
Digital goods and merchant of record
Operational scope: license tiers, seat counts, renewal terms.
B2B purchasing
Operational scope: purchase amounts, quantities, approved vendors and payment terms.
Disputes
Fraud-coded claims on agent orders can count toward your dispute ratios. Evidence packs are built from the record. Outcomes depend on the network and the issuer.
How it works
Four steps, from the agent's order to the dispute file.
01 Capture
The authorization you receive, stored with the agent's order.
02 Compare
Products, quantity, price, billing frequency and terms, against the final order.
03 Decide
Pass the order, block it, or ask the customer to confirm first.
04 Prove
An audit record that answers a "didn't authorize this" claim.
Running case (example)
Agent order: annual plan, $1,200
Authorization says: monthly plan, $100
Held for customer confirmation
Benefits
Fewer fraud-coded disputes, and less good business blocked.
Fewer fraud-coded disputes on agent orders
Mismatches are caught before the charge, where these claims can begin.
Approve good agent orders
Orders that match the authorization pass. Only mismatches are held.
Evidence ready when a dispute lands
The record links each authorization to the final order.
No code to start
We begin from exports of your agent orders, refunds and disputes.
Works with the networks and agent checkouts you already use
Alongside Visa, Mastercard and Stripe, not against them.
Countersign adds an order-level check on top of the Visa, Mastercard and Stripe agent rails. It never replaces them.
Works alongside your fraud stack
Countersign runs alongside fraud tools such as Riskified, Sift, Signifyd and Forter. It answers a different question: does the order match what the customer asked for?
Questions
Straight answers before the call.
Do we need to write code?
No. We start from exports of your agent orders, refunds and disputes.
What authorization data do you need?
Whatever you receive today. We don't assume you get the customer's original prompt, and we log what is missing.
Do you guarantee a chargeback outcome?
No. Countersign builds the record and the evidence. Whether a dispute is won depends on the network and the issuer.
Book a 20-minute benchmark call.
Nothing is sold on the call. You get our anonymized report on agent-order disputes across categories.