Soap Blog

How Soap and 3D Secure, powered by Evervault, authenticate card payments before they reach a processor, shift fraud disputes to the issuer, and keep chargebacks under 0.3%.

Why chargebacks happen and how to prevent them, from clear billing descriptors and 3D Secure to fast refunds and better dispute evidence.

Compare the main Stripe alternatives by what you need to fix, and see when payment orchestration beats switching processors.

Soap is bringing Lightning payments to checkout through Voltage. Learn how Lightning works, why it matters for merchants, and how eligible Cash App customers can pay from their USD balance.

Mandi's ID says Amanda. How Soap's AI engine, built with Claude Haiku 4.5 and OpenRouter, recovered over 4.8% of blocked payments with guardrails designed first.

10% of abandoned checkouts happen because the card gets declined. We're open-sourcing a POC that combines API-based and browser-agent payment waterfalling.

Soap's AI agent builds representment evidence from payment logs, device traces, KYC and AML records, so merchants fight friendly fraud chargebacks in a few clicks.

February update: payments volume is now 12X higher than October 2025, February grew 37% month over month, and autonomous agents are in production workflows.

Field notes from deploying AI agents across payments, payment operations, coding workflows, and business execution over the last 12+ months.

January update: 114% month-over-month volume growth, 90%+ authorization rates, and chargebacks under 0.2%.