When a buyer disputes a charge, you need a resolution path that's as fast as your checkout.
Your platform delivers net terms in seconds. When a buyer disputes a payment, the resolution shouldn't take 18 months in court. Brief resolves B2B payment disputes entirely online, in ~45 days, with a legally binding outcome.
Trusted by Upwork at scale. No upfront fees. Claims up to $500K.
B2B BNPL platforms face a dispute problem that consumer BNPL doesn't prepare you for.
Consumer BNPL chargeback rules are straightforward. B2B disputes are messier. Here's what actually shows up in your queue.
Buyer Disputes on Net Terms
The buyer claims the goods weren't received, weren't as described, or the quantity was wrong. The seller disagrees. You're caught in the middle, holding the payment, legally exposed to both parties until it's resolved.
Deduction Disputes
The buyer pays 80% of the invoice and deducts 20% for "damages," "short shipment," or "quality issues." The seller disputes the deduction. Now you have a partial payment, an open dispute, and no efficient resolution path.
Triangular Disputes
The buyer disputes the charge with you (the platform), but the underlying dispute is between buyer and seller. You need to resolve the seller-buyer dispute before you can finalize the platform-level accounting. Without defined arbitration, this takes months.
Brief is the dispute resolution layer you embed in your platform terms.
B2B BNPL platforms don't resolve individual disputes with armies of support agents. The ones that scale build dispute resolution into the platform terms from day one.
Brief gives you a defined, enforceable resolution path for every transaction. When you extend net terms, your platform agreement includes a Brief arbitration clause. When a dispute arises:
- The claiming party files online
- Both parties submit documentation (invoices, purchase orders, delivery records)
- A bar-recognized E-Judge reviews the submissions
- Binding award issued in ~45 days
- Platform accounting is resolved based on the award
Upwork uses Brief to resolve disputes for millions of freelancers and clients worldwide.
Upwork is a global marketplace platform with millions of transactions per year. Payment disputes between freelancers and clients are a platform-level infrastructure problem, not a case-by-case customer service issue. Brief powers Upwork's dispute resolution for fixed-price contracts.
Consumer BNPL chargebacks don't apply to B2B. Here's why that matters.
Consumer BNPL Logic
B2B BNPL Reality
Brief covers the disputes that actually happen on B2B BNPL platforms.
Non-Receipt Disputes
Buyer claims goods/services weren't delivered. Brief reviews shipping documentation, purchase orders, and acknowledgment records.
Quality and Specification Disputes
Buyer claims goods weren't as ordered. Brief reviews product specs, order confirmations, and inspection records.
Deduction Disputes
Buyer deducts from invoice payment. Brief determines the valid deduction, if any.
Partial Payment Disputes
Buyer pays part of the invoice, disputes the remainder. Brief determines the outstanding obligation.
Terms Interpretation Disputes
Buyer and seller disagree on what the contract terms mean. Brief interprets and decides.
Triangular Platform Disputes
Buyer disputes with platform, which has an underlying seller dispute. Brief resolves the buyer-seller component so the platform can finalize accounting.
Brief does not handle fraud allegations as primary claims, or disputes involving regulatory compliance matters. Everything else above is squarely within Brief's scope.
Building Brief into your platform is an operational decision, not just a legal one.
Eliminate the "Who Holds the Money?" Problem
When a dispute is filed and Brief is the defined resolution path, your platform has a clear rule: hold the disputed amount pending Brief's award. No ad hoc decisions. No "we'll see how this one goes." Defined, documented, defensible.
Scale Without Scaling Your Support Team
Consumer BNPL companies have 200-person trust and safety teams. B2B BNPL platforms that embed Brief into their terms offload the adjudication function. Your team handles customer service. Brief handles dispute adjudication.
Platform Liability Protection
When your terms define a binding arbitration process, you've established that buyers and sellers resolve disputes between themselves through Brief, not through the platform as an intermediary. This reduces the platform's exposure to being dragged into buyer-seller disputes as a party.
Embed dispute resolution in your platform terms before launch, not after.
Brief's clause can be embedded in your platform's merchant terms of service, buyer agreement, or transaction-level terms.
Questions from B2B BNPL teams.
Checkout is instant. Disputes shouldn't take 18 months.
You've built a platform that extends credit in seconds. The dispute resolution process should match that speed. Brief gives your platform the infrastructure to resolve payment disputes in 45 days, with legally binding outcomes, without building a legal department.
Used by Upwork at global scale. No upfront fees. Claims up to $500K.