Virtual agent
Natural, compliant conversations with cardholders that resolve, collect, or deflect dispute claims: right inside your app or banking portal, 24/7.
Trusted by leading brands
Ready for all payment networks
Conversation. Automation. Intelligence.
Agentic dispute management for the new era of intelligent payments.
Capture the right data, automate repetitive steps, and guide agents to higher recovery.
Process automation
Automate filings and repetitive steps to boost team efficiency, maximise recovery, and stay aligned with Visa and Mastercard rules.
Intelligence & insights
Learn from dispute data, cardholder history, and dispute patterns. Get guidance that reduces errors and accelerates case resolution.
Conversational agent
An intelligent agent mastering payment network rules, autonomously resolving or deflecting most claims while capturing all data for valid claims.
Full-lifecycle case management
Manage every stage from fraud reporting, pre-dispute, through arbitration in one place. Also covering bookings and document handling.
Process automation & intelligence
From built-in automations for fraud reports, pre-disputes, misc-fees (DAF) to custom automation rules covering the full dispute life-cycle.
Smart guidance for agents
An intelligent co-pilot for auto-prefill, document generation that validates and guide agents to minimise errors and maximise recovery.
Security. Compliance. Seamless Integration.
Pre-certified & compliant, built for easy integration, avoiding costly in-house builds.
Integrated with card networks
Pre-certified with Visa (VROL) and Mastercard (Mastercom); no dependency on your processor.
Automated merchant collaboration
Plug-and-play with Ethoca, Verifi, and payment networks' fraud-reporting systems.
Security and privacy by design
PCI DSS compliant and ISO27001 certified. No sensitive customer data is ever shared with Rivero.
Trusted by leading banks to resolve disputes faster with Amiko
Operational excellence, every day. "Our aim is to offer our customers first-class service [...] Thanks to Amiko’s ‘virtual agent’, complaints about credit card transactions can now be reported directly in the Cembra App [...] this provides multiple benefits for both our customers and our colleagues in Customer Service."
Alona Eiduka
Chief Operating Officer
Faster resolutions, happier cardholders. "The integration of Amiko will help us to support our clients in fraud investigation and dispute resolution. We know how stressful these situations can be for the cardholders of our partner banks. A quick and easy approach helps to resolve claims in an orderly and timely manner."
Stefan Giger
Head Products and Services
We cut complexity and found agility. "[Amiko] does not require management and maintenance on our side, nor does it require integration with our payment processor [...] having a SaaS solution updated regularly with new features [...] not only reduces efforts on our side but also removes the need for typical lengthy and costly change requests.”
Patrick Dessouslavy
Head Operations Risk Management