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SAMPLE Visa 10.4
Chargeback #1042-8819 · $184.00
We are writing in response to chargeback #1042-8819, filed under reason code Visa 10.4. The cardholder authorized this purchase and received the goods.
Evidence, indexed:
✓ AVS and CVV matched
✓ IP and device tied to the cardholder
✓ Delivery to the AVS-verified address
Download this kind of response
Sample for illustration. Your response is built from your transaction details.
Delivery proof answers a not-received claim. It answers nothing when the claim is fraud. The letter has to answer the exact accusation on the notice.
Merchants responded to only 43 percent of chargeback requests and recovered funds in just 12 percent of cases. An unanswered dispute loses by default.
The only deadline that matters is the date your processor shows on the notice. The generator gets you from notice to submission in about five minutes.
Writing is only part of it. You also gather the evidence, format it, and check it before you file.
Doing it yourself takes hours. You gather the evidence, format the letter, check every detail, and then file it yourself.
With FightMyChargeback, about 5 minutes, start to finish.
A blank page. If the format is wrong, automated review can auto-decline it before a person ever reads it.
With FightMyChargeback, one structured PDF, evidence indexed.
Three things to get right at once: the right evidence for that code, the right structure, and the right filing format.
With FightMyChargeback, all three are built in for your reason code.
Visa or Mastercard.
The code from your notice.
Amount and dispute date.
Targeted questions, then your checklist.
Review the letter before you pay.
$15 flat, then instant PDF.
Once you have the letter, submit it yourself, following your acquirer's instructions. To get back to a paid letter, use My Dispute Letters: enter your checkout email and you get a magic link. No password account is needed.
This is a redacted Visa 10.4 sample. Your details fill the highlighted fields in your response.
Representment Letter
Reason code: Visa 10.4 · Dispute amount: $184.00
To the Dispute Department:
We are writing in response to chargeback #1042-8819, filed under reason code Visa 10.4 (fraud, card-absent environment) for transaction TXN-55213 dated March 4, 2026.
The cardholder participated in and benefited from this transaction. The evidence below shows the legitimate cardholder authorized the purchase and received the goods:
1. AVS and CVV verification matched at the time of purchase.
2. IP address and device data place the order with the cardholder.
3. Merchandise was delivered to the AVS-verified billing address (tracking #1Z8842W).
4. The card has three prior successful transactions with our store.
We respectfully request reversal of this chargeback. Supporting documentation is attached and indexed in the order referenced above.
Sincerely,
[Your name], [Your business]
Read the reason code and the due date on the notice before anything else. Do not refund the order. The money has already been taken back, and a refund does not stop the chargeback.
The due date your processor shows on the notice governs your case. Visa allows 30 days and Mastercard allows 45 days at the network level, but your processor usually gives you less. Stripe and Shopify Payments usually give 7 to 21 days. Set your own cutoff at least two days earlier than the processor date.
The evidence that answers your reason code. Delivery proof wins a not-received claim. Authorization proof wins a fraud claim: AVS and CVV results, 3-D Secure, IP and device data, login records, and prior undisputed orders from the same cardholder. The generator asks for the evidence your code needs, and nothing else.
Delivery proof answers a not-received claim. It answers nothing when the claim is fraud. If the code says fraud, the bank is asking whether the real cardholder authorized the purchase, not whether the package arrived.
No. No letter can. Friendly-fraud cases are the winnable ones, and an unanswered dispute loses by default. A complete, code-specific response gives a winnable case its best shot.
Usually, yes. The chargeback fee, typically $20 to $100, generally stays with you even if the dispute is reversed. Winning gets the transaction amount back, not the fee.
Then you do not pay. The generator tells you before checkout whether your code is supported.
Submit it through your payment processor or acquiring bank, using the instructions on your chargeback notification.