Cite the right statute. Draft the right response. Escalate the right way. Built on UK consumer legislation, kept current, available as REST or MCP.
Front-line agents handle thousands of consumer queries weekly. Without statutory grounding, answers are conservative-by-default and customers escalate.
Out-of-the-box models cite repealed acts, invent thresholds, and confuse English law with Scots law. Production-grade UK reasoning needs ground truth.
A senior consumer-law engineer plus the data work to maintain a statute index can run twelve months and a quarter-million pounds before first deploy.
Real UK261 entitlement returned with primary citation. The draft excerpt and escalation path are the same artefacts the consumer Paybacker app uses every day.
POST /v1/disputes
Content-Type: application/json
{
"scenario": "Flight cancelled 2 hours before departure",
"context": {
"departure_airport": "LHR",
"arrival_airport": "BCN",
"carrier_country": "ES",
"ticket_class": "economy",
"distance_km": 1138,
"cancellation_reason": "operational",
"rebooked_arrival_delay_hours": 6
},
"jurisdiction": "UK"
}200 OK
Content-Type: application/json
{
"statute": "UK261 (retained EU 261/2004 as amended)",
"entitlement": {
"compensation_gbp": 220,
"rationale": "Short-haul (<1500km), cancelled <14 days, EU carrier, UK departure. Operational cancellation does not meet the 'extraordinary circumstances' threshold.",
"additional_rights": ["meals_and_refreshments", "rebooking_or_refund"]
},
"draft_letter_excerpt": "Under UK Regulation 261/2004 as retained, I am entitled to compensation of £220 for the cancellation of flight [number] on [date]. The 14-day notification window was not met and the operational reason cited does not meet the extraordinary-circumstances exemption…",
"escalation_path": [
{ "step": 1, "to": "carrier_claims_team", "wait_days": 14 },
{ "step": 2, "to": "CAA — Consumer Protection Group", "url": "https://www.caa.co.uk/passengers" },
{ "step": 3, "to": "Alternative Dispute Resolution scheme", "wait_days": 56 }
],
"confidence": 0.94
}Coverage is reviewed quarterly. Enterprise customers receive material-change webhooks within 24 hours of a regulatory update going live.
Section 75 chargeback triage, FCA dispute readiness, refund eligibility scoring.
Claims with statutory backing, repair-or-replace decisioning, FOS escalation paths.
Consumer query handling, mid-contract price-hike rights, switching entitlement.
UK-aware tool calls. The engine ships as MCP so agents can reason about statute, not paraphrase.
A 1,000-call pilot. No card. Self-serve.
Production traffic. Subscribe and get a key in your inbox in seconds.
100k calls + dedicated tenant + statute SLA + legal-engineering review.
All tiers shown in GBP, monthly, exc. VAT. Cancel anytime via the customer portal.
We built Paybacker — the UK consumer-rights AI assistant — to give households the ability to write a statutorily-grounded dispute letter in 30 seconds. The engine has been running in production, generating thousands of complaint letters citing the Consumer Rights Act 2015, Section 75, Package Travel Regs, UK261, and a long tail of sector-specific regulation.
We are now opening the same engine to platforms that need UK consumer-law reasoning inside their own products — without rebuilding the statute index from scratch.
Starter is free and self-serve. Paid tiers go via Stripe Checkout — your key arrives by email within seconds of payment success.
For bespoke deployments, on-prem hosting, or volume above Enterprise — email business@paybacker.co.uk and we will reply within 24 hours.
Yes. The same statute index, entitlement reasoner, and letter generator. The B2B surface is a thin REST and MCP layer on top with rate limits, audit logging, and a per-tenant context.
Yes, on the Growth tier and above. The same engine is exposed as MCP tool calls so an LLM agent can ask for statute, entitlement, draft, and escalation in one round trip.
We watch the legislation.gov.uk feed plus regulator publications (Ofcom, Ofgem, FCA, CAA). Material changes flow into the engine within 7 days, with an Enterprise SLA that tightens this to 24 hours.
The engine cites primary statute and regulator guidance. Persuasive case authorities are surfaced where they materially change the entitlement (e.g. Wakefield v Logan-Air on UK261 extraordinary circumstances). We do not generate untested legal positions.
Public launch depends on signup demand. Waitlist members receive a private design partner offer if their use case is a strong fit, ahead of general availability.