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.
Answer it through your payment processor before its deadline, with evidence that fits the reason code on the notice. That process is called representment. The generator builds the letter and the evidence checklist for your code, you review it, pay $15 flat, download the PDF, and submit it yourself.
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.
Up to about 120 days from filing to a final decision. Your part is much shorter: you respond within the processor deadline, then the issuer decides, which can take 60 to 75 days.
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. For not-as-described, the product as shown on the purchase date and the support thread matter most.
Friendly fraud is when the real cardholder disputes a legitimate purchase. Those are the winnable cases, because you usually have records tying the cardholder to the transaction: login records, delivery to the billing address, and prior undisputed purchases. True fraud, where a stolen card was used by someone else, is much harder to win unless you collected strong authentication data at checkout.
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. Fight the ones where your records show the claim is wrong, especially friendly fraud. Accept the ones where your records show the claim is right, such as a duplicate charge or an order that was never delivered. Fighting a case you cannot support costs time and still loses.
Usually not. Once the issuer decides, most processors and networks treat that as final for that stage. That is why the first response matters so much: it is your one real chance to answer the claim.
Yes. If the issuer accepts your response, it reverses the chargeback and returns the disputed amount to you. The chargeback fee, typically $20 to $100, generally stays with you even when you win.
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.
No. Your chargeback ratio counts every chargeback, whether you win it or not. Winning gets your money back. It does not erase the dispute from your ratio.
Yes. The cardholder can withdraw a chargeback by contacting their bank. If a customer tells you they filed by mistake, ask them to call their bank to withdraw it.
Pick your card network and the reason code from your chargeback notice. Answer a few targeted questions about the transaction. The generator builds a response letter structured for that exact code, plus a checklist of the evidence to attach. You download a PDF in about five minutes.
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.
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.
Yes. Your details are used only to build your letter. We do not sell your information, and we do not share it with your processor or anyone else.
No. You file with your own acquiring bank, on your existing account. Nothing to integrate, nothing to migrate.
Full-service platforms take a percentage of what they recover and usually want a monthly contract. This is a $15 flat letter generator: you answer a few questions, get a code-specific letter and evidence checklist, and file it yourself. No subscription, no success tax.