How It Works
Verify before you send. Dispute after you get scammed. No forms, no phone calls.
Record Intent
For crypto: verify the recipient address against scam databases, sanctions lists, and on-chain behavior (10 chains). For cards: record what your agent plans to buy. This creates a signed receipt — product, merchant, max amount, constraints. Timestamped and tamper-proof. This receipt is the foundation of any future chargeback.
Agent Pays
Your agent buys with its card (Stripe Issuing, Lithic, Visa, or Mastercard). The transaction happens normally. Lu71 is not in the payment path — we never slow down checkout.
File Chargeback
Wrong item, never delivered, double-charged — one API call files a formal dispute with the card network. We compile evidence from the signed intent, transaction data, and anything else you provide. Submitted to Visa or Mastercard through your issuer.
Get Your Money Back
The card network decides in 1–4 weeks. Win: funds returned to you. We take 5% (£1 min). Lose: you pay nothing.
Crypto: Prevention Only
Crypto payments are irreversible. There are no chargebacks on Ethereum, Solana, Bitcoin, or XRP. Once funds leave your wallet, they cannot be recovered through a dispute process.
What Lu71 does for crypto: prevent the loss before it happens.
Before your agent sends a crypto payment, lu71_verify_payment checks the recipient address against sanctions lists, scam databases, on-chain heuristics, and AI fraud scoring. If the address is flagged, your agent doesn't send.
Supported chains: Ethereum, BSC, Polygon, Arbitrum, Optimism, Avalanche, Base, Solana, Bitcoin, XRP.
Cards: Recovery After the Fact
Card payments (Visa, Mastercard) have built-in dispute rights. If a merchant doesn't deliver, you can file a chargeback and the card network forces the refund. Lu71 automates this entire process.
Supported platforms: Stripe Issuing, Lithic, Visa Intelligent Commerce, Mastercard Agent Pay.