Chargeback Dispute Response

Chargebacks are won or lost on matching the specific reason code to the specific evidence the card networks accept — not on how unfair it feels. This decodes the code, tells you exactly which proof wins that category (delivery confirmation, an AVS match, the signed terms, prior usage), assembles the rebuttal in the structure banks expect, and — importantly — tells you when a dispute is unwinnable so you don't waste the representment.

Card-network rules and win rates vary by processor and code. This structures the strongest representment; it can't guarantee the issuer's decision.

What This Skill Produces

• The reason-code decode — what the customer/bank is actually claiming, in plain terms
• The evidence checklist — the specific proof that wins this code (not a generic pile)
• The rebuttal letter — a structured, factual representment matched to the claim
• The winnability read — fight, or concede and save the fee — an honest call

Required Inputs