The cost to your site is not the refund. It is the orders never placed.
Cover every transaction on your site. A dispute your own process refuses is valued under a published method and pursued at that value, at no cost to the buyer. You pay one fee per covered transaction, nothing per dispute.
This transaction carries cover from Calmly Resolve. The site pays for it; you pay nothing. … Full wording
Assessed means brought to Calmly, screened and valued. Not money recovered.
A buyer whose dispute your process has refused has nowhere left to go. The court route takes a median 37.6 weeks from issue to a small-claims trial, and 94% of County Court judgments are by default.
The cost to your site is not the refund. It is the orders that are never placed, because a buyer with no credible exit hesitates.
Calmly values the refused claim under a published method, takes it on and pursues it at that value. Build the cover in at checkout, and a refused dispute on your site has somewhere to go. The trial then measures what that does to your orders.
Court figures: Ministry of Justice civil justice statistics, January to March 2026. A public statistic about the court route.
Cover at checkout
Buyers who can go ahead with the order. A refused dispute no longer leaves them with nowhere to go, and the trial measures what that does to your orders.
One sentence from an approved set, placed when a transaction forms. Your legal team reviews it once. Your own dispute process stays your own.
A fair exit at a valued price
A fair exit for the buyer you had to refuse, at no cost to you or them.
An independent method values the claim. Both parties receive the same report at the same time. Calmly takes the claim on and pursues it at that value.
A price your numbers set
A price set by your own numbers: a floor while we measure, the full rate only once the cover has paid for itself.
Nothing per dispute. No capital. No exclusivity.
Four steps. Your process stays yours.
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The cover line at checkout
One sentence from an approved set, stated at the moment a transaction forms, as shown at the top of this page. Your site's name goes in place of "the site", and your legal team reviews it once.
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A refused dispute is valued
When your process ends in a final refusal, you route the dispute with its records. An independent method values it, and both parties receive the same report at the same time.
Notice the version of the standard, and the line stating that both parties received this same document at the same time. -
The other party gets a dated rule
Calmly writes to the other party once, with a reference and a date. They reach a page stating the settlement figure from the report both parties received. It also states what happens if the date passes: the claim is issued at court. There is no negotiation to run, and nothing for your site to do.
Notice there is one figure and one date. Nothing on this page is a negotiation. -
You pay per covered transaction
Calmly pursues the claim at its valued price, and the buyer is paid from what it recovers. Your account meters the covered count and the fee it produces. Nothing per dispute.
Notice the fee follows the covered count, not the 74 disputes routed.
Illustration. The figures are examples.
- No payment per dispute. The fee does not vary with dispute volume.
- No capital, no reserve, no fund. No claim is ever presented to you for payment.
- No exclusivity, in either direction. Either side can stop on a month's notice.
- No confidential data before the written agreement.
- No integration commitment before the benchmark.
- No belief in an uplift figure. The trial produces one from your own numbers.
Is this insurance?
It is cover a site builds in at the point of transaction, paid for by the site. Calmly never pays out to you and never presents a claim to you. A refused claim is valued under a published method and pursued at that value; the buyer is paid from what is recovered. Financial services and credit claims are outside it.
What does it cost?
One fee per covered transaction, monthly in arrears, on your own transaction count. A floor while the trial runs, then a published rate indexed to your revenue per transaction, warranted downward only. Nothing per dispute, no capital, no exclusivity. Pricing, in full.
Who pays the buyer?
The buyer is paid from what the claim recovers. Calmly takes the claim on at its valued price and pursues it. Nothing is charged to the buyer and nothing is taken from their payment. Never you: no claim is presented to your site for payment.
What data do you need?
For the benchmark, public data and roughly what you earn on a typical transaction. Nothing confidential before the written agreement. After it: for each routed dispute, your own records of the transaction with the participant's authorisation, and a monthly transaction count. You receive counts and outcomes in aggregate, never an individual claim.
What happens when our process refuses a dispute?
One flag at the exit of your process, and its records pass to Calmly. Calmly checks the public registers for the other party and the claim against the exclusions. An independent method values it, both parties receive the same report, and Calmly pursues it at that value. The other party gets one dated rule: pay by the date, or the claim is issued.
Does it change our own dispute process?
No. Calmly takes no part while your process runs, and nothing routes before your final refusal. Your process stays your own.
Which claims are not taken on?
A claim against a party in insolvency, dissolution or strike-off; a claim below the minimum value; a claim outside the three admitted kinds; at launch, a claim against a sole trader or an individual. The exclusions are stated at purchase. An excluded claim is still valued, and the report stays the participant's. The exclusions in full.
What happens to a claim today?
Claims are taken on and pursued at their valued price today. Selling a claim outright opens when a committed buyer stands behind it. The wording at the point of transaction sets out which of the two applies.
Can we stop?
Yes, on one month's notice at any time, and so can we. We can also end the paid arrangement if submitted disputes exceed the share set in the written agreement. The same applies if measured value comes in below the floor. Either way, disputes already routed are completed, and every transaction covered while you were with us stays covered.
Get the benchmark
Calmly has been working on this since 2020. We are choosing a small number of marketplaces for measured trials. Email dex@calmlyresolve.com with the subject "Benchmark". Tell us the site and roughly what it earns on a typical transaction.
What happens next: the benchmark, a one-page estimate of what the cover would cost and carry on your numbers, from public data. Then thirty minutes on your reaction, a trial protocol in writing and a written agreement.
Run a marketplace, or know someone who does? Send this page on, or write to dex@calmlyresolve.com.