Send the statement.
You export a statement from your bank and send us that file. ChargeGuard never logs into your bank, never sits on your banking page, and never sees your credentials.
What happens to one charge
₹2,000 gone. No cash came out. Here's every day after.
Send us your statement. We tell you what every line actually is — in plain words — then draft the dispute and chase it until the bank answers.
- You send a file. Not a login.
- No banking password. Ever, for anything.
- A security review before launch, published here.
Statement · Nov 20263 flagged
SwiggyFood delivery · 08 Nov
₹412Tap a flagged charge
Tap one of the flagged lines above. You'll see what that charge actually involves if you take it on alone — including the part most people never find out.
₹100 a day
Past the deadline, the bank owes you ₹100 for every day of delay — and the RBI says it must be paid on the bank's own initiative, without waiting for you to complain.
RBI, 20 Sep 2019
How it works
You · two minutes
Us
You · you decide
The rule · not our opinion
The rule · and then us
Five steps, and two of them are yours.
The order things actually happen in — and who is doing them.
We read every line.
Your bank app shows you that a charge happened — the same code the bank stores, and nothing else. We're for the next question: who that actually is, why it is recurring, whether you've been charged twice, and what to do about it.
You read the draft and submit it.
ChargeGuard drafts the dispute — it doesn't file it. You read the draft, edit anything you want, and submit it yourself. A tool that files financial claims without you reading them is a tool you shouldn't trust.
Failed transactions have a fixed reversal deadline.
One day for UPI, IMPS and card-to-card. Five days for ATM and point-of-sale failures. The clock runs from the transaction, not from your complaint.
RBI circular DPSS.CO.PD No.629/02.01.014/2019-20Past the deadline, it's ₹100 a day.
Owed whether or not you ask — which is exactly why almost nobody checks it arrived. We put the right citation and the right deadline into the draft for you, and keep following it up.
Coverage designed around the charges you actually get.
Subscriptions & trials
Free trials that converted, auto-renewals, prices raised silently, dormant subscriptions, cancelled but charged.
Duplicates & errors
Double swipes, failed transactions still debited, the wrong amount, refunds that never arrived.
Bank & card fees
Annual maintenance, late payment, over-limit, ATM withdrawal quota, SMS alert fees.
Unknown & suspicious
Descriptors you don't recognise, card-not-present charges, cross-border markups, micro-charge tests, name mismatches.
Watch it work
Forty-five seconds, one confusing charge.
What the rules already give you
You have more standing than you think.
None of this is ChargeGuard's doing — these are rules the RBI already set. The problem is that almost nobody knows the deadlines exist, so almost nobody holds anyone to them.
01 · Before the debit
RBI E-mandate Framework, 2026
A warning, 24 hours ahead, every time
Your issuer must notify you at least a day before each recurring auto-debit, with the merchant, amount, date, mandate reference and reason — and let you opt out of that debit or cancel the mandate.
02 · When it fails
RBI DPSS.CO.PD No.629/02.01.014/2019-20
A deadline for your money coming back
Failed transactions have fixed reversal deadlines — one day for UPI, IMPS and card-to-card, five days for ATM and point-of-sale failures.
03 · If they're late
RBI DPSS.CO.PD No.629/02.01.014/2019-20
₹100 a day, without asking
Past the deadline, the bank owes you ₹100 for every day of delay — and the RBI says it must be paid on the bank's own initiative, without waiting for you to complain.
Ask in your own language
Not everyone wants to read a screen.
A statement is hard enough in your second language. ChargeGuard answers out loud — ask what a charge is in Hindi, Telugu or Kannada and hear the answer back.
And a dispute doesn't end when you send it. ChargeGuard follows it up and tells you where it stands — by message if you'd rather not take a call.
You · Hindi
“यह क्या चार्ज है?”
ChargeGuard
“यह Streamly Media का मासिक शुल्क है।”
You
“मैंने तो ऐप में कैंसिल किया था।”
If the card is your company's
Your expense tool watches what staff claim. Nobody watches what you're charged.
Duplicate vendor debits, SaaS that renewed at a new price, bank fees on the current account, mandates nobody remembers signing. Priced per company, not per seat.
Pricing
Free to understand. Paid only if you want it chased.
Decoding and flagging never cost anything, for anybody. You pay only when you want the dispute filed, the deadline held and the follow-up made.
Free · start here
₹0 always
- Decode any statement you send
- Automatic flags for trials, duplicates and renewals
- 3 dispute drafts a month
Plus
₹49 per month
- Unlimited dispute drafts
- Full history and dispute tracking
- ₹399 a year if you pay yearly
Family · Business
₹99 and up
- Up to 5 members at ₹99 a month
- Company cards and accounts from ₹499
- Monthly report of every charge queried
Planned pricing for launch — nothing is chargeable yet and these figures may change.
Our stand
We take your side. Every time.
- We read it, so you don't. The merchant behind the code, the date it started, how often it has run.
- We write the dispute. With the right citation and the right deadline already in it.
- We never act without you. You read the draft, edit it, and submit it yourself.
- We are built not to touch your money. You send a file; we never see your credentials.
- We say when we don't know. An unresolvable descriptor is reported as unresolvable, not guessed at.
- We don't sell you out. Decoded descriptors feed an anonymised merchant dictionary — the code, not your account, not your balance.
The fair questions
Three reasons not to use us.
“It explains, but it doesn't guarantee my money back.”
True, and we won't pretend otherwise — whether money comes back is the bank's decision. What we promise is that the case is made properly, on time, and doesn't quietly disappear. If that isn't worth paying for, Free is the product and we mean it.
“My bank app already shows me my transactions.”
It shows you that a charge happened, using the same code the bank stores. It doesn't tell you who that merchant actually is, whether you've been charged twice, or that a deadline is already running.
“Calling the bank is free.”
So it is. What isn't free is knowing the clock started on the transaction date rather than the day you called, and that ₹100 a day is owed once it passes — payable on the bank's own initiative, without you asking.
Do you need my banking password?
No, and we never will. You export a statement from your bank and send us that file. ChargeGuard never logs into your bank and never sees your credentials.
ChargeGuard is being built.
Join the waitlist and you'll hear from us when the first version opens — not before, and not for anything else.
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