How to Write a Chargeback Response (2024)

FAQs

How to Write a Chargeback Response? ›

To respond to a chargeback dispute, gather any evidence that supports your claim, such as proof of delivery or signed proof of purchase, and present it in your response. Be sure to include any relevant details such as the transaction date, amount, and description.

To respond to a chargeback dispute, gather any evidence that supports your claim, such as proof of delivery or signed proof of purchase, and present it in your response. Be sure to include any relevant details such as the transaction date, amount, and description.

Writing a chargeback rebuttal letter requires clear and concise communication. Your argument should include the main points of your challenge and a list of evidence to back it up. It is important to remember that this letter should remain factual and not emotive.

Example: A cardholder subscribes to an online streaming service, enjoys access to the content for several months, and then initiates a chargeback, claiming they never received the service.

If the merchant chooses to fight the chargeback, they must submit a rebuttal letter and supporting evidence to prove that the dispute is invalid. The issuing bank will evaluate this evidence and decide whether to reverse or uphold the chargeback.

Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.

Send a Dispute Letter to Your Card Company

After you call the card company or dispute the charge online, follow up right away with a letter disputing the charge. The letter is a written notice to the card company about the problem.

First, contact your acquiring bank to initiate the chargeback dispute. Then, submit your documented evidence, along with your rebuttal letter, proving the chargeback invalid. Defending your small business against chargebacks can take time, so give yourself plenty of it to put it all together.

Merchants win chargeback disputes approximately 40% of the time, but the outcome may vary depending on factors such as evidence provided, documentation, and the reason for the chargeback.

If you want to dispute the chargeback, you'll have a certain amount of time to defend it by providing evidence, depending on the reason the chargeback was raised. An example would be to provide the merchant receipt of the transaction. That's why it's important you keep your merchant receipts safe for record keeping.

What is an example of rebuttal response? ›

Rebuttal Example Attacking Relevance

You could use a rebuttal like this: It's true that homework doesn't take that much time, but that point has nothing to do with whether homework promotes learning. Free time is important, but it has no bearing on learning.