By Erica Bennett · May 19, 2026 · 8 min read
Free-trial-to-paid is the single highest-dispute billing pattern on the card networks. The aggregator path rarely lasts because the model itself flags the account. The ROSCA consent flow rebuild, the descriptor fix, the dunning-before-renewal cadence, and the dispute-defense backstop that keeps a free-trial offer under the VAMP threshold.