Chard· Money
Payment routing without lock-in.
Stripe wants you to settle everything through Stripe. Adyen wants you to settle everything through Adyen. Chard is provider-agnostic — every payment is routed in milliseconds across the cheapest healthy rail, with a warm fallback you don't see and don't have to think about.
Garden Financial · v1.3.2 — DesktopLIVE
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AACME Holdings
Route Advisor
Updated Apr 29 at 14:02
CHARD · /payments/routing
Payment intent pi_2c4f1a · auth
RAIL DECISION · success-rate × fee × latencypolicy: cap fee at 3.0% · target p50 ≤ 500ms
- Adyen · Card2.6% + $0.10240 ms99.74%ROUTED
- Stripe · Card· warm standby2.9% + $0.30280 ms99.40%warm
- ACH NACHA· latency target$0.40T+298.10%skipped
- Wire · Fedwire· fee cap$25.00T+099.99%skipped
routed0 ms→authorized240 ms→3capturedT+0→4settledT+1
idempotency-key lockedFIG. 0.A — GARDEN DESKTOP / DASHBOARDThe actual UI. No marketing simulator.
Per-corridor scoring
We model the right rail before money leaves.
Each corridor has a live model that scores success-rate × fee × latency under your policy. The advisor publishes its scoring so you can see why it picked Wise SEPA-Instant over Fedwire for the $14,820 USD→EUR — and so an auditor can verify it years later.
CHARD · /payments/route-advisor
USD → EUR · ACME → Northwood Capital · $14,820.00
CORRIDORUSA → EU · USD/EUR
POLICYlatency ≤ 60s · fee ≤ 0.6% · success ≥ 99%
FX SOURCEWise mid · refresh 9s ago
| # | Rail | Fee | Latency | Success | Score | Verdict |
|---|---|---|---|---|---|---|
| 1 | Wise · SEPA Instant | $3.20 + 0.41% | 8 s | 99.78% | 96 | routed |
| 2 | Adyen · SEPA | $1.80 + 0.55% | T+1 | 99.62% | 88 | standby |
| 3 | Fedwire → SWIFT | $25.00 | T+0 | 99.94% | 79 | standby |
| 4 | USDC · base · 0x→0xblocked · counterparty no on-chain | $0.04 gas | 12 s | 99.91% | 71 | skipped |
| 5 | ACH NACHAexceeds latency target | $0.40 | T+2 | 98.10% | 42 | skipped |
score = 0.5×success + 0.3×latency + 0.2×fee, normalisedadvisor v1.4 · 7,412 corridors trained
Chargeback resolution
Disputes resolved in 22 ms of agent work, 9 s of human signing.
When a chargeback arrives, Chard auto-collects the evidence (3DS auth, IP match, prior payment history, Sage re-screen, sealed transcripts) and an agent compiles the bundle. A human reviews and signs with a hardware key. The whole packet posts to Bean — and your win rate is no longer a function of how busy your AR team is.
CHARD · /payments/disputes/case-3a8f
Dispute · pi_2c4f1a · Northwood Capital · $14,820.00
AMOUNT$14,820.00USD · captured · adyen
REASON CODE10.4 · fraud · CNPVisa
EVIDENCE 11 items · sealedblake3:9f3a2c…
WIN PROBABILITY87%model v2 · 412 trained cases
Timeline · 9 events
- 2026-04-29 13:42capturedPayment capturedpi_2c4f1a · $14,820.00 · adyen primaryChard
- 2026-05-09 09:14chargebackDispute openedreason · 'fraudulent · card not present'Adyen
- 2026-05-09 09:14infoEvidence pack openedevidence_pack_3a8f · auto-collected · 11 itemsChard
- 2026-05-09 09:14infoEmail · Northwooddispute notification · awaiting confirmationBasil
- 2026-05-10 11:02okCounterparty re-screenno new sanctions hits · KYC fresh < 30dSage
- 2026-05-12 16:21infoEvidence compiledIP match · 3DS authn · prior 4 successful txsagent:chard-r
- 2026-05-12 16:22okEvidence reviewedstep-up · YubiKey 5C · signedhuman:CFO
- 2026-05-12 16:22okDispute response submitted11 docs · sealed · adyen evidence portalChard
- 2026-05-29 (est)infoDecision expected21-day SLA · CETAdyen
Evidence bundle · 11 items
- Cardholder authentication3DS frictionless · adyen · liability shift
- IP geolocationLondon W1 · matches billing
- Device fingerprintstable across last 4 transactions
- Shipping evidencen/a · digital delivery
- Communication logBasil · email + receipt · opened 9s
- Prior payments4 successful · $48,260 over 6 months
- Refund policy30-day, customer acknowledged on T&C
- KYC statusSage · fresh · 7 days old · clean
- AVS / CVV resultAVS Y · CVV M
- Service agreementsigned contract_4f81 · attached
- Sealed transcriptblake3:9f3a2c…be17
agent compiled the bundle in 22ms · human signed in 9s · all sealed to BeanVisa · Mastercard · Amex · Discover · multi-provider
Chard vs. the rail providers
An orchestrator that survives any provider failing.
Single-provider rails fail. Diversification is the only way out.
| Capability | Stripe | Adyen | Checkout.com | Chard |
|---|---|---|---|---|
| Provider-agnostic | — | — | — | ✓ |
| Warm fallback | — | — | — | ✓ idempotent |
| On-chain settlement | — | — | — | ✓ Base, SOL |
| RTP + FedNow + SEPA Instant | ✓ | ✓ | ✓ | ✓ |
| Per-corridor scoring | — | — | — | ✓ open model |
| Posts to Bean | — | — | — | ✓ atomic |
| Agent-initiated payouts | — | — | — | ✓ MCP |
| Dispute mediation built in | ✓ | ✓ | ✓ | ✓ multi-provider |
Agent-native
Capability-bounded payment authority.
Agents can route payments up to a policy ceiling without human touch — and every payment is escortable: a human can revoke a capability mid-flight, the in-flight payment will be marked for review at settle time.
MCP descriptor
tool chard.payments.create Authorize a payment (idempotent) tool chard.refunds.create Refund full or partial tool chard.transfers.create Move funds (rail-agnostic) tool chard.disputes.respond Submit dispute evidence resource routes://usd-eur Live corridor scores
Typed REST API
POST /chard/v1/payments Authorize + capture in one call POST /chard/v1/refunds Refund partial or full POST /chard/v1/transfers Multi-rail transfer POST /chard/v1/disputes Submit dispute response GET /chard/v1/routes/:corridor Live rail rankings
Lineage headers
Authorization: Bearer arsenal:act_d2… X-Garden-Capability: chard.payments.create · max=14820 · corridor=usd-eur X-Garden-Idempotency: pi_2c4f1a X-Garden-Policy: lowest_fee_under_60s
Capability matrix
Eight rails. One contract. Zero lock-in.
- 01Cards via Adyen, Stripe, Checkout.com (auto-failover)
- 02ACH origination (NACHA, same-day, next-day)
- 03Wire (Fedwire, SWIFT) with full beneficiary handling
- 04Real-time: RTP, FedNow, SEPA Instant, FPS, UPI
- 05On-chain: USDC on Base, Solana, Polygon, Arbitrum, Optimism
- 06Per-corridor route advisor with explainable scoring
- 07Idempotency-keyed end-to-end (replay safe)
- 08Dispute mediation across providers with evidence packets
Companions in Money
The services that work with this one.
Bean
Twelve services. Chard is one.