Roy, the agent that works your deduction desk.
Roy is ROI-AI’s AI agent for retailer deductions. Roy reviews every deduction that hits your account, builds the evidence that proves it invalid, drafts the retailer-specific dispute, and files it. One agent runs the entire dispute pipeline end to end, from the deduction hitting your account to the money coming back.
Roy drafts and files dispute packets autonomously. Most go straight out; ROI-AI’s own analysts review the exceptions that need judgment, and the auto-submitted share keeps growing.
Retailer chargebacks and deductions quietly drain 2 to 5% of every wholesaler’s revenue, and most go undisputed.
RoyROI-AI agent- Reads the deduction as it lands
- Pulls the supporting evidence
- Assembles the dispute packet
- Cross-checks it against the claim
- Drafts the retailer-specific dispute
Roy works the deduction end to end. The review layer is ours, not yours.
What Roy does with a deduction
Roy works a deduction in four steps: detect it, pull the evidence, build the dispute packet, and submit it.
Done by hand, every deduction is worked one at a time, a different portal, reason code, and evidence pack for each retailer. Finance cannot close the books while deductions sit open, and most never get filed before the retailer’s window expires.
- 01
Detect the deduction
Roy monitors every retailer deduction as it lands, classifies the reason code, and flags the ones worth disputing.
- 02
Pull the evidence
Roy matches each chargeback against your invoices, BOLs, and proof-of-delivery, assembling the documentation that proves the deduction is invalid.
- 03
Build the dispute packet
Roy writes the retailer-specific dispute, formatted to that retailer's reason codes and evidence rules, ready for review.
- 04
Submit and track
Packets are filed to the retailer portal or emailed to the right contact, 24/7 across every retailer, and tracked until the money comes back.
Roy imports retailer deductions automatically, gathers evidence from your ERP and EDI, assembles dispute packets, and files 24/7.
How Roy decides, including when not to dispute
Roy reviews every deduction, not just the big ones, so no dispute window closes on money you could have recovered. Every deduction gets reviewed, and disputes are filed 24/7 across every retailer. Coverage is what breaks first when the work is manual: a single deduction takes roughly 20 minutes to dispute by hand.
Roy does not dispute everything. On one Kohl’s chargeback, Roy read the structured data, the documents, and the product image together, found that the charge was actually valid, and recommended the opposite: do not dispute this one. Any one of those sources alone told the wrong story.
The value of an AI teammate is not only winning more disputes. It is knowing which fights are not worth having. Precision matters more than dispute volume: filing a losing dispute costs analyst time and retailer goodwill.
Roy read one chargeback and recommended not disputingWhat Roy reads
Roy builds a dispute out of the documents you already hold: the invoice, the bill of lading, the proof of delivery, and the retailer’s own deduction notice. Roy reads them against each other, because any one source alone can tell the wrong story. The evidence comes from your ERP and your EDI, read in place.
A deduction is disputable when you hold a specific document that contradicts the retailer’s claim, and not disputable when the same document confirms it.
Which document settles it depends on the reason code, and Roy knows each retailer’s reason codes and evidence rules. Deductions fall into six categories: shortage, concealed shortage, compliance, pricing, incorrect UPC and vendor accuracy, and packing.
Deduction reason codes and the evidence that disputes themWhere Roy works
Roy works through the channels your AR team already uses: email, and Slack or Teams for updates. Roy is connected to your ERP, your EDI, and your email, and you interact with Roy by email and messaging. There is no new software to learn.
Weigh in any time you want, but nothing waits on your approval.
Who checks Roy
ROI-AI’s analysts are the managed quality layer. To the customer, Roy runs autonomously. Most of Roy’s work is auto-submitted; ROI-AI’s own analysts review the exceptions that need judgment, and the auto-submitted share keeps growing. This is our AI-native Service-as-a-Software model: the oversight is ours, not yours, and it shrinks as Roy proves out.
The review layer is ours, not yours. Nothing lands in your team’s queue and nothing waits on your approval.
Our analysts as the managed quality layerWhich retailers Roy files with
Roy files disputes with the retailers you sell to, including Dollar General, TJX, Kohl’s, Burlington, Ross, CVS, Target, Kroger, and Family Dollar. Roy knows each retailer’s portal, reason codes, and evidence rules. Adding a new one takes days, not months.
- Dollar General
- TJX
- Kohl's
- Burlington
- Ross
- CVS
- Target
- Kroger
- Family Dollar
Each retailer takes disputes its own way. Packets are filed to the retailer portal or emailed to the right contact, and filing through the wrong channel means the dispute is never seen.
ROI-AI is live in production disputing chargebacks for wholesalers today.
How disputes differ by retailerWhat Roy connects to, and going live
Roy connects read-only to your ERP and your retailer portals. There is no data migration, no rip-and-replace, and no change to how your AR team works.
Live in weeks, no rip-and-replace, no new software. We connect to your systems, ingest historical chargebacks, and Roy starts disputing.
What Roy does not do
Roy works one lane: retailer deductions and chargeback disputes. Roy does not audit your pricing, run your allowances, chase your freight bills, or manage your returns.
If a retailer took money out of a remittance as a deduction or a chargeback, that is Roy’s job. If it did not, it is not.
Roy is also not always a yes. Where the evidence says the charge is valid, Roy says so. And where our published guidance does not yet cover a retailer’s specific rule or window, we say so rather than guess.
Questions about Roy
- What is Roy?
- Roy is ROI-AI's AI agent for retailer deductions. Roy reviews every deduction, builds the evidence, drafts the retailer-specific dispute, and files it.
- What does Roy do when a retailer deduction posts?
- Roy works the deduction in four steps: it detects the deduction and classifies the reason code, pulls and assembles the evidence, builds the retailer-specific packet, and files it to the portal or by email.
- How does Roy decide which deductions are worth disputing?
- Roy reviews every deduction, not just the big ones, classifies the reason code, and flags the ones worth disputing.
- Does Roy ever recommend not disputing a chargeback?
- Yes. On one Kohl's chargeback, Roy read the structured data, the documents, and the product image together, found the charge was actually valid, and recommended not disputing it.
- Does a human review Roy's disputes?
- ROI-AI's own analysts review the exceptions that need judgment. The review layer is ours, not yours: nothing lands in your team's queue and nothing waits on your approval.
- What does Roy not do?
- Roy works one lane: retailer deductions and chargeback disputes. Roy does not audit your pricing, run your allowances, chase your freight bills, or manage your returns.
Next step
Estimate only, based on conservative industry benchmarks.