Dispute representment

Automate compelling evidence submission to card issuers, challenge invalid disputes, and recover revenue through representment workflows

Dispute representment is an automated process that challenges disputes by submitting compelling evidence to card issuers on your behalf. When enabled, Chargebackhit generates evidence packages using your business information and dispute-related data. Then it submits them through the appropriate channels to help recover disputed funds.

This process handles evidence gathering, response formatting, and submission deadlines so you do not need to manage evidence collection and submission manually.

Enable dispute representment

To activate dispute representment, you need to set up dispute import from your payment provider and complete your business information.

Step 1: Enable dispute import

Connect your payment provider integration to start importing disputes into Chargebackhit.

Each payment provider account requires a corresponding Chargebackhit account. If you have multiple accounts with your payment provider and need to enable dispute import for all of them, contact support to set up additional Chargebackhit accounts.

Follow the integration steps for your payment provider. During configuration, ensure all the required permissions are provided for importing the dispute data.

Currently, dispute import is supported by the following integrations:

Guide
Connect your PayPal account to automate dispute import and representment, with evidence submitted directly through the PayPal integration. PayPal
Guide
Connect your Adyen account to automate dispute import and representment, and track chargeback outcomes across all transactions in Chargebackhit. Adyen
Guide
Connect Stripe to automate alert management, synchronize dispute data in real-time, and handle representment directly from your payment flow. Stripe
Guide
Connect your Checkout account to automate dispute import and representment with evidence submitted directly to the card network. Checkout
Guide
Connect your Silverflow account to automate dispute import and representment, and track chargeback outcomes in Chargebackhit. Silverflow

Step 2: Complete business details

Provide your business information to make evidence generation possible for dispute representment. Business data is used for compelling evidence supporting your case when challenging disputes.

Complete all required fields in Guide
Add your business information to the HUB settings to enable and fully support the dispute representment process. business details, including your business name, website, refund policy, terms of service, logo, business description, and terms summary.

Once both steps are complete, dispute representment becomes automatically active for new disputes. To ensure a safe start, the representment process is not applied to existing disputes.

Manage dispute representment

By default, dispute representment applies to all new disputes. To apply custom rules based on dispute details, you can request them by contacting the Chargebackhit support team. For example, there can be rules based on:

Reason code – challenge disputes with specific reason codes only
Dispute amount – set minimum or maximum thresholds for automatic representment

Each dispute includes a Managed by Chargebackhit indicator that shows whether Chargebackhit automatically handles representment for the dispute. You can view and filter by this indicator on the Guide
Monitor and manage payment disputes from active integrations, tracking dispute statuses, response deadlines, and representment outcomes. Disputes page in the Chargebackhit HUB.

Track disputes

Via API

Subscribe to the dispute webhook Webhook to receive real-time notifications when disputes are created, updated, or when representment status changes. Each notification contains the full dispute object with the latest state.

Alternatively, you can retrieve a single dispute via get dispute by ID API or list disputes via retrieve disputes list API .

Via HUB

To track disputes

Go to your Chargebackhit HUB account.
Navigate to Disputes.
Find the dispute you need and click on it. Use Filters if required.
On the dispute details page, view:
- Dispute information block for dispute status
- Representment information block for representment status

Enrich dispute data

Dispute enrichment improves evidence generation by connecting additional transaction and customer data from your system. Chargebackhit uses this data to strengthen the representment file before it is submitted to the card issuer.

When a dispute is ready for enrichment, the representment status changes to waiting-for-enrichment.

Dispute webhook Webhook notifies you when a dispute is ready for enrichment. To check the current evidence state, use get dispute evidence API . Add or update evidence data using the update dispute evidence API , then submit through the submit dispute evidence API or from the dispute details page in the Guide
Monitor and manage payment disputes from active integrations, tracking dispute statuses, response deadlines, and representment outcomes. Disputes section of the Chargebackhit HUB.

Submit enrichment data before the enrichment_deadline to give Chargebackhit the most time to generate a complete representment file.

Represent dispute

If you have prepared your own evidence package, you can submit it directly as a PDF file, bypassing the enrichment flow. The uploaded file is used as the complete evidence package.

Upload the file through the files upload API to get a file_id, then submit it through the represent dispute API . On success, the representment status changes to submission-in-progress. The operation returns 409 if the dispute is not in a representable state or a representment has already been submitted.

Alternatively, submit from the dispute details page in the Guide
Monitor and manage payment disputes from active integrations, tracking dispute statuses, response deadlines, and representment outcomes. Disputes section of the Chargebackhit HUB.

Representment process

Dispute import
When a dispute occurs, it is imported from your connected payment provider and appears in Chargebackhit HUB with the Needs response status.
Enrichment window
The dispute enters the waiting-for-enrichment state. During this period, you can add merchant-specific evidence through the HUB or the API. The enrichment deadline is shown on the dispute details page and in the webhook payload.
Evidence preparation
The system generates evidence using your business details, dispute-related data, and any merchant-provided enrichment.
Submission
The evidence package is submitted to the payment provider or card issuer. The action is logged in dispute history. Status updates to Processing.
Review period
The card issuer reviews the evidence. Dispute status changes to Under review.
Resolution
The issuer makes a decision, and the dispute is Resolved with the won, lost, or RDR outcome.

Status changes and actions are recorded in dispute history. You can view this timeline on the dispute details page.

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