Help preparing and submitting representment cases within the deadlines the card networks set.
Most lost disputes are lost on process, not on merit. A response that ignores the reason code, arrives after the deadline, or consists of a paragraph of explanation without documents will not succeed regardless of how clearly the merchant is in the right. Representment is a documentary exercise with a fixed format.
Different codes require different evidence. We identify which one applies and what it needs.
Invoices, delivery confirmation, authorisation records, terms accepted at checkout, prior correspondence.
Cases are filed inside the issuer's response window, with confirmation.
Wins, losses and pre-arbitration escalations recorded so you can see what works.
The issuer files the dispute and funds are typically debited from your account immediately.
You submit a rebuttal with supporting evidence inside the deadline.
The issuer accepts or rejects. Some cases escalate to pre-arbitration, which carries additional fees.
It varies by card network and reason code, and the window is short. Treat every notification as urgent.
Signed delivery confirmation, an authorisation record matching the cardholder, accepted terms at the point of sale, and documented communication with the customer.
Chargeback fees are commonly charged when the dispute is filed and are not always refunded on a win. Check the fee schedule on your account.
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.
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