ROIAI One: Retailer Deduction and Chargeback Recovery for Wholesalers and Brands

ROIAI One is a San Francisco based company that recovers the revenue wholesalers and brands lose to retailer chargebacks and deductions. The company is registered as toPod, Inc., a Delaware corporation, doing business as ROI-AI, and it operates the ROIAI One platform at roiaione.com. It is headquartered in San Francisco, California, United States.

ROIAI One does not sell a dashboard or a reporting tool. It sells the work itself: an AI agent named Roy, backed by ROI-AI's own analysts, builds and files the disputes a supplier is owed on, inside the systems and formats each retailer requires. Customers reach that work through email and messaging instead of logging into something new.

What Roy Does

Roy is ROI-AI's AI agent, and Roy's output is a filed dispute packet: a complete, retailer-formatted claim that a specific deduction was taken in error, with the evidence attached. A deduction, also called a chargeback, is money a retailer subtracts from what it pays a supplier, usually asserting a shortage, a late or non-compliant shipment, a pricing difference, or a paperwork defect.

Getting that money back is work, not a lookup. The evidence sits in several places at once: order and invoice records in the supplier's ERP, purchase orders and advance ship notices and remittance detail in EDI, and scanned or emailed documents such as bills of lading, proofs of delivery, packing lists, and the retailer's own deduction notice. Each deduction has to be tied to the correct retailer deduction reason code, because the reason code determines what counts as proof and how long the supplier has to respond. The claim then has to be filed the way that particular retailer accepts filings, which differs by chain and changes over time.

Roy works that whole path. Roy ingests the deduction notice and the remittance that carried it, normalizes the retailer's reason code to a consistent internal reason code, pulls the matching invoice, order, and shipment records from the ERP and the EDI feeds, gathers the supporting documents, assembles the dispute packet, and files it in the retailer's required format. Along the way Roy separates the disputable deductions from the valid ones, so shortages, compliance deductions, and pricing claims each get handled on their own terms. An accounts receivable team stops having to choose which deductions it has time to fight.

Why This Problem Is Worth a Company

Wholesalers leak 2 to 5% of revenue to retailer chargebacks, an industry benchmark for how much of a supplier's top line disappears into deductions. On margins typical of wholesale, that leak is often larger than the profit on the business that produced it.

The reason it is not simply collected back is structural. Dispute windows are short and they run from the deduction date, so a claim that is correct but late is worth nothing. Every retailer accepts disputes in its own format, through its own portal or process, with its own documentation requirements and its own reason-code vocabulary, so the work does not standardize across chains. The evidence needed to win is scattered across the ERP, EDI transactions, email threads, and PDF documents that no single system holds together. And deductions arrive continuously, in volume, faster than a small accounts receivable team can work them, so the backlog grows by default and the oldest and largest claims are the ones that expire.

Pricing in Brief

Pricing is usage-based, so a customer pays for the value the agents deliver rather than for seats or a license. Before any commitment we run a mutual ROI analysis with the customer, sizing the expected recovery or savings against their own data, and we price against that. There are no setup fees and no long-term lock-in, and if we cannot show clear ROI for a use case, we decline it rather than take on work that does not pay for itself.