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Maximize win rates for all major card brands and recover revenue by building a custom compelling evidence response through dispute representment in Chargebackhit

The cardholder is entitled to object to the invalid payment, and the merchant is entitled to object to the illegal refund. This process is called chargeback representment:

If you need to prevent a chargeback, follow these rules:
Timely response
You have a timeframe to respond to a chargeback before it is accepted by default, typically 7-30 days.
Rebuttal letter
This is a short (one-page) letter outlining your counterarguments to the cardholder's claims.
Compelling evidence 3.0
You must have documents that relate to the claim and prove that you are right. Each chargeback reason code has certain standards as to what evidence can be used against it, so always look at the reason code to determine what you need.

Issuers will be held liable for a Guide
Visa’s Reason Codes follow a format of two digits, a period, and a third digit. The first two digits indicate which category the reason code falls under: 10 for Fraud, 11 for Authorization, 12 for Processing Errors, and 13 for Customer Disputes. The third digit indicates the specific reason within this category.
10.4 (Fraud – Card Absent Transaction)
dispute when the following information is provided by the Merchant via Order Insight and the conditions are met:
  • Minimum of two “historical” transactions for the same PAN settled more than 120 days and less than 365 days prior to the dispute date.
  • At least two of the following data elements are the same in the disputed and historical transactions:
    • Customer Account ID
    • IP address
    • Delivery address
    • Device ID
    • Device fingerprint
  • One of the two data elements must be either IP Address or Device ID or Device Fingerprint.
  • No prior fraud was reported on the historical transactions. Historical transactions may have been disputed but not for any Fraud reason code.
  • Product description for each item purchased is provided by the merchant on the disputed and historical transactions.

For a successful liability shift, clear item description responses from merchants are crucial. This facilitates transaction recognition by cardholders and lessens the chances of issuer-initiated reviews. Examples include lodging date details, or providing comprehensive merchandise specifications.