Independent research and standards
To advance fairer, faster, and more transparent payment dispute resolution.
Research & Analysis
Latest research and analysis. Independent. Always.
PDI publishes across three content types: landscape pieces examining systemic issues, case studies using real events as a lens, and operational insights into specific processes and rule applications.
June 2026
Chargebacks Are in Scope of the Scam Prevention Framework — at least for now
Treasury's draft codes and rules put more meat on the bones of the Scams Prevention Framework. The development the payments industry should be watching, though, is not in the headline obligations. Previously ‘goods & services” disputes were clearly marked as out-of-scope, the current expectations lean on legitimacy testing.
Read research →May 2026
Liability in Agentic Commerce: Who Pays When the Agent Gets It Wrong?
The payments industry has spent a decade building the foundations agentic commerce now depends on — 3D Secure, network tokenisation, passkeys, digital wallet authentication. Those foundations are being puzzled together to enable a model they were not designed for, and they will be pushed to the edges of their functionality in the process.
Read research →May 2026
The Evidence Problem: Why Dispute Evidence Is Both Overloaded and Undervalued
Every payment dispute, in theory, turns on evidence. A cardholder says the goods were damaged. A merchant says they were delivered in perfect condition. Somewhere between those two claims sits what actually happened — and evidence is supposed to be the mechanism that gets us there. Supposedly!
Read research →April 2026
Commerce moved on. The rules didn't.
Payment dispute frameworks were built for a simpler world. Decades of change in how people buy, sell, and pay have left those frameworks struggling to keep up — and every participant in the ecosystem is absorbing the consequences.
Read research →Engage with us
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If you’re experiencing a chargeback you can’t resolve, a pattern you keep seeing, or a rule that doesn’t make sense — PDI wants to hear about it.
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