Recover
Increase chargeback win rates and recover revenue by submitting compelling evidence, responding within deadlines, and drafting persuasive rebuttal letters
The cardholder is entitled to dispute an invalid or unauthorized payment, and the merchant is entitled to dispute an improper or fraudulent funds reversal request. This process is called chargeback representment.
To prevent chargebacks effectively, consider adopting the following strategies:
- Timely response
Respond to chargeback notifications within the required timeframe, typically 7-30 days. Failure to respond within this period results in the chargeback being accepted by default. - Rebuttal letter
Compose a brief, one-page letter that clearly and persuasively outlines your counterarguments to the cardholder's claims. This rebuttal letter should present your case in a concise and compelling manner. - Compelling evidence
Ensure you have the documentation supporting your argument and countering the claim. Each chargeback reason code has specific criteria regarding acceptable evidence against it, so it is essential to review it to determine the necessary documentation. For example, there is an established set of CE 3.0 criteria that need to be met to challenge disputes associated with the Visa reason code Guide
Explore chargeback reason codes across Visa, Mastercard, Amex, and Discover to navigate disputes and build prevention strategies. 10.4 (Fraud – Card Absent Transaction).
Looking for help? Contact us
Stay informed with Changelog