Built by the Operators Who Wrote the Rules on Dispute Risk.
QuickRefund was founded by a team that has spent decades inside merchant acquiring, high-risk processing, and card network policy. We built this platform because we've seen — from every side of the table — what dispute ratios do to a merchant's business.
Pre-Dispute Automation, Built by Payments Veterans.
QuickRefund intercepts disputes at the gateway level — server-to-server, against the original transaction — before they ever reach the banking system. No alerts. No chargebacks. No ratio damage.
That approach didn't come from a pitch deck. It came from decades of operating inside acquirers, processors, and Visa itself — seeing firsthand how dispute frameworks are built, where merchants fail them, and what actually moves the ratio.
The Team Behind QuickRefund.
Jeff Foster
30-year payments operator across merchant acquiring and high-risk processing. Built and scaled distribution relationships across ISOs, PayFacs, and processors, with deep experience in chargebacks, fraud, and merchant portfolio risk.
Mark Smith
Previously founder of 3Cinteractive, one of the earliest and most successful mobile messaging and payments platforms — ultimately acquired by Cisco. 3Cinteractive processed billions of consumer interactions across mobile channels and worked with major enterprises across payments, telecom, and digital commerce.
Kolin Whitley
One of the key operators behind the development and rollout of VAMP. Led acceptance risk strategy across North America and worked directly with acquirers, issuers, and merchants on fraud and dispute frameworks that now define the market.