Dispute resolution
Help preparing and submitting representment cases within the deadlines the card networks set.
Answering the question that was actually asked
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.
How the setup works for your account
Reason code guidance
Different codes require different evidence. We identify which one applies and what it needs.
Document assembly
Invoices, delivery confirmation, authorization records, terms accepted at checkout, prior correspondence.
Submission within window
Cases are filed inside the issuer's response window, with confirmation.
Outcome tracking
Wins, losses and pre-arbitration escalations recorded so you can see what works.
The sequence
Notification
The issuer files the dispute and funds are typically debited from your account immediately.
Representment
You submit a rebuttal with supporting evidence inside the deadline.
Decision
The issuer accepts or rejects. Some cases escalate to pre-arbitration, which carries additional fees.
Stop the dispute before it becomes a chargeback.
When a cardholder disputes a sale, the alert networks tell us before it turns into a chargeback. You refund inside the window and it stops there: no chargeback, no fee, and nothing counted towards the ratio that gets merchant accounts closed.
Ethoca, CDRN and Visa RDR, worked from one portal with a countdown on every alert. Four fields to create your account, and pricing is confirmed in writing before anything is switched on.
Sign up for protection
Common questions
How long do I have to respond?
It varies by card network and reason code, and the window is short. Treat every notification as urgent.
What evidence carries the most weight?
Signed delivery confirmation, an authorization record matching the cardholder, accepted terms at the point of sale, and documented communication with the customer.
Is there a fee even if I win?
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.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.